Florida Medicaid rules are different from IRS tax rules governing account ownership.

An asset titled to the Medicaid applicant and another person as joint tenants is governed by the contract of the financial institution, which was signed when setting up the account.  A careful review of the contract is necessary to determine if the Medicaid applicant is considered as owning the account in total. 

An asset titled to another person in trust for the Medicaid applicant is not considered available to the Medicaid applicant.

An account titled in a joint living trust is considered as belonging to the Medicaid applicant unless an amendment to the trust removes the Medicaid applicant as a grantor and beneficiary of the trust.