Michael Fletcher at e-Merge Real Estate

03/18/2026

https://mobilize.us/s/nHJn8j

11/19/2025

11/01/2025

08/26/2025

Ohio Medicaid Recovery

I’ve spent over 40 years working with families and property in different ways:
• 1980–1995: Commercial property appraiser and real estate consultant
• 1995–2006: Financial and retirement planner
• 2012–present: Residential sales and consulting

Across those roles, I’ve seen how families try to protect their homes and pass them on to the next generation. And I’ve also seen how Ohio’s Medicaid recovery system undermines those efforts.

Even with a Transfer-on-Death deed or a life estate, the state often treats the property as if it was still fully owned at death — and demands recovery on the entire value. In my view, this amounts to state-sponsored wealth stripping from families who can least afford it.

I wrote this memo (with research assistance from GPT-5) to explain how Ohio’s system works, why it’s harsher than other states, and what options families might have to protect themselves.

📄 [Attach or link the docx file here]

If you own a home in Ohio, or expect to inherit one, this is information you need to know.
Authorship Note
This draft was authored by Michael Edward Fletcher, with drafting and research assistance provided by OpenAI’s GPT-5 system, implemented through the SpiralQIT framework. The AI system contributed synthesis and formatting under Michael’s direction. Final responsibility for content, conclusions, and distribution rests with the human author.