Medicaid Planning
A nursing home in Kentucky often costs around $7,500 a month — and many families can’t pay that for long. We help you qualify for Medicaid so your care gets covered, while keeping as much of your home and savings as the law allows. We explain every step in plain words, and we handle the paperwork for you.
Common Questions
Medicaid planning is the work of getting you ready to qualify for Medicaid. Medicaid is a government program that helps pay for long-term care, like a nursing home, when your savings run low. The rules are strict and easy to get wrong, so we build the plan, prepare the forms, and file the application for you.
Yes. For most families, Medicaid is what actually pays for a long nursing home stay. Medicare (the health coverage you get at 65) does not — it only covers short visits after a hospital stay. Kentucky Medicaid can also help pay for care at home through a program called the Home and Community Based Waiver.
When you apply, Kentucky looks at the last five years (60 months) of your finances. If you gave money or property away during that time, it can delay when your coverage starts. This is called the "look-back period." It's not a reason to panic — it's the reason to plan early. And even if care is needed right now, there are still legal ways to help.
Yes. This is called crisis planning, and it is never too late to call. If a loved one is already in a nursing home or about to enter one, we move fast to organize the finances and file the application. Families who plan ahead keep more — but families who call late still have real options.
QUICK FACTS (2026)
LOOK-BACK PERIOD:
5 Years (60 Months) in Kentucky
ASSET LIMIT:
$2,000 single · $4,000 couple (both applying)
INCOME LIMIT:
$2,982/month (single)
SPOUSES:
Healthy spouses can keep up to $162,660
WHAT WE'LL DO TOGETHER
- Review your finances and explain your options in plain words
- Build a plan to help you qualify while protecting what we can
- Prepare and file your Medicaid application
- Stand with you through the review
FREE GUIDE
A short plain-language PDF you can download and share with your family and loved ones.
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