Medicare is health insurance and offers only limited skilled-care coverage. Medicaid is needs-based and can pay for long-term nursing home care or certain home/assisted-living programs if financial and medical criteria are met.

Indiana Medicaid has income and resource limits that vary by program and can change over time. We review current rules and how to structure assets (and income) within the law to pursue eligibility.

Most long-term care Medicaid applications review financial transfers for approximately the prior five years. Certain gifts can trigger penalty periods. We help you understand safe options and exceptions that may apply.

Federal and Indiana rules protect a spouse at home through allowances for income and resources. Proper planning can help stabilize the household budget while obtaining needed care for the applicant.

Some assets—like a primary residence (subject to equity limits), one vehicle, and household goods—may be treated as non-countable. Rules are nuanced and change, so a personalized review is essential.

Depending on timing and goals, tools can include spend-down strategies, division of assets for a spouse, certain annuities, updated beneficiary designations, or irrevocable planning for the future. We’ll explain what is allowable under current Indiana and federal rules.

Successful applications require a thorough financial and medical record review, verifications, and ongoing communication with caseworkers. We organize and submit documentation to reduce delays and denials.

After a Medicaid recipient’s death, the State may seek reimbursement from certain assets—including the home in some cases. Planning can help preserve value for a spouse or protected beneficiaries.

Earlier is better, but it’s rarely “too late” to improve outcomes. Crisis planning (after a sudden hospital or rehab stay) is common—we’ll move quickly to protect eligibility and resources.