What exactly is a Certified Medicaid Planner™ (CMP™)?

A CMP™ is a credentialed professional recognized by the Certified Medicaid Planner™ Governing Board for expertise in Medicaid long-term care eligibility and planning. This certification represents advanced knowledge of Medicaid rules, ethics, and asset-protection strategies designed to help clients qualify for benefits while preserving resources.

Who can become a CMP™?

The CMP™ designation is available to professionals such as attorneys, CPAs, financial advisors, social workers, and geriatric care managers—anyone specializing in Medicaid eligibility and long-term care planning for seniors and their families.

What does a CMP™ actually do?

Certified Medicaid Planners™ help clients prepare for and navigate the Medicaid application process for long-term care benefits. Their services may include:

• Analyzing income and assets to determine Medicaid eligibility.
• Developing compliant spend-down and protection strategies.
• Preparing and submitting Medicaid applications and documentation.
• Coordinating with attorneys, financial planners, and care professionals.

Why work with a CMP™ instead of trying to navigate Medicaid alone?

Medicaid’s long-term care rules are highly complex and vary by state. Working with a CMP™ helps families avoid costly mistakes, disqualification periods, and denied applications. CMPs are trained to provide ethical, legal, and efficient strategies that maximize benefits while preserving family assets.

What are the benefits of hiring a CMP™?

• Verified professional expertise in Medicaid planning and eligibility rules.
• Personalized asset and income strategies tailored to your situation.
• Adherence to strict professional and ethical standards.
• Comprehensive coordination through every step of the Medicaid process.

How does someone become a Certified Medicaid Planner™?

To earn the CMP™ designation, candidates must meet education or experience requirements, pass a proctored national examination, and agree to abide by the CMP™ Code of Ethics. Continuing education is also required to maintain certification.

• A Juris Doctor (JD) or master’s degree in a relevant discipline.
• A bachelor’s or associate degree with two years of Medicaid-related experience.
• Four or more years of full-time Medicaid or eldercare planning experience.

How can you verify a CMP™’s credentials?

You can confirm a professional’s certification directly through the CMP™ Governing Board’s online verification system at
cmpboard.org/find-a-cmp. Always verify active certification before working with any planner.

What questions should you ask when choosing a CMP™?

• How long have you worked in Medicaid long-term care planning?
• Do you specialize in my state’s Medicaid eligibility rules?
• Can you outline your process and fees?
• Will you coordinate with my attorney or financial advisor?
• What strategies might be relevant for my situation?

When should someone contact a CMP™?

It’s best to connect with a CMP™ before a care crisis begins. Early Medicaid planning allows more time for strategy, asset protection, and eligibility preparation, making it easier to secure benefits when care is needed.

What situations can a CMP™ help with?

• When income or assets exceed Medicaid’s limits but care is approaching.
• When one spouse needs care and the other must remain financially stable.
• When a family faces sudden nursing home or assisted living costs.
• When Medicaid benefits have been denied or delayed.