Limits estate recovery under Medicaid to federal mandated recovery for nursing home care and other long-term care costs.

S 4297 would limit New Jersey's Medicaid estate recovery program to only the federal minimum requirement, covering nursing home care and related long-term care costs (including hospital and prescription drugs only when provided concurrently with nursing home care). It would narrow the definition of "estate" to assets passing through probate, such as property in a will, excluding life insurance, retirement accounts, and jointly owned property that are currently recoverable. This change would prevent recovery from certain assets, helping Medicaid recipients preserve more savings for heirs. The bill aligns New Jersey's program with federal Medicaid law, which does not require recovery for broader services or non-probate assets.