If a client looks like they might qualify for Medicaid, it's usually best to handle the application yourself. Doing it online is quick, it helps build trust, and it gives you a chance to talk about cash value life insurance, which can lead into final expense coverage.
I typically start them off with a core plan for the first month, then switch them to a DSNP once Medicaid kicks in. In states like Florida, Medicaid starts up in their birthday month, even if they apply early. Also, most states refund up to three months of Part B, so be careful if you're looking at a short-term Part B refund plan, higher copays might eat up those savings.
If you're short on time, you can submit an LIS application through Social Security and check the box to start a Medicare Savings Program app too. Just be ready to assist the client with any state forms that come up after.
