What Happens If You Transfer Money Between Your Own Bank Accounts During the Medicaid Look-Back? Ohio Medicaid reviews many transfers made during the 60 months before an institutional Medicaid application. An uncompensated transfer can create a penalty period, but exceptions and corrective options may apply. Long-term-care decisions mix health, housing, family authority, contracts, public benefits, and years of financial history. Small transactions can have large consequences when a Medicaid application later asks for records, and a rushed transfer can reduce options instead of protecting them. This guide explains the general Ohio framework in plain language and identifies the records and decisions that usually matter most. In this guide A clear…