Crisis Medicaid planning — 48 states
Don't spend down everything before getting the help you need.
When a spouse or parent faces a nursing home stay, you may be able to protect most of your family's assets — legally, and faster than you think. We guide you through every step.
⭐️ Free consultation ⭐️ No obligation ⭐️ Serving all 48 contiguous states
Legal under federal & state Medicaid rules
Crisis planning specialists
No unnecessary spenddown
Results-driven
process
THE REALITY
Nursing home costs can wipe out a lifetime of savings.
The national average cost of nursing home care exceeds $10,000 per month. Medicare doesn't cover it long-term. Without a plan, families are forced to spend down nearly everything before Medicaid steps in.
$10,000+ Average monthly nursing home cost
$0 Medicare pays for long-term custodial care
50–100% Of assets potentially protected with a plan
"It's not too late — even if your loved one is already in a nursing home, Medicaid planning can still protect significant assets."
WHO WE HELP
Find yourself below.
Married couples
Healthy spouse at home
Spousal impoverishment protections can shield most or all of your shared assets while your spouse qualifies for Medicaid long-term care.
Single individuals
Single nursing home patient
The Half-a-Loaf strategy and other tools can protect 50% or more of your assets from the Medicaid spenddown — even in a crisis situation.
Adult children
Caring for an aging parent
Navigating care decisions, financial options, and Medicaid rules on behalf of a parent is overwhelming. We give you a clear path forward.
Referral partners
Attorneys, financial advisors & care managers
Add Medicaid planning expertise to your client services. Partner with us for case support, education, and referrals.
THE PROCESS
Three steps from crisis to covered.
Our approach is built for families facing an immediate nursing home situation. Speed matters — and so does protecting what you've worked for.
Free consultation
We assess your situation — assets, income, state rules, and timeline — to identify what can be protected and what your options are.
Custom plan design
Medicaid Success Select designs a legally compliant strategy using current federal & state rules to accelerate eligibility and protect assets.
Qualify for Medicaid
We handle the application, documentation, and Medicaid department communication from start to approval — so your family doesn't have to.
WHAT FAMILIES SAY
Real outcomes for real families.
FREE RESOURCES
Understand your options before you call.
Knowledge is your first asset protection tool. Explore our guides and articles.
Single patients
What is the Half-a-Loaf plan?
How single nursing home patients can protect 50% or more of their assets from the Medicaid spenddown.
Married couples
Spousal impoverishment protections explained
Federal rules allow the community spouse to retain significant assets. Here's how it works.
Common questions
Is it legal to protect assets from the Medicaid spend down?
Yes — every strategy we use is specifically permitted under state and federal Medicaid eligibility rules.
5-year lookback
Does the 5-year lookback mean it's too late to plan?
No. The lookback period doesn't prevent planning — it's part of what we plan around.
Our fulfillment ecosystem
Backed by three specialist partners.
Medicaid Planning Advisory connects you with the right guidance and the right experts. The planning, insurance, and qualification work is handled by our trusted fulfillment partners — each a specialist in their role.
Plan design & qualification
Medicaid Success Select
The Medicaid planning engine behind every case. Designs legally compliant crisis plans, prepares and files Medicaid applications, serves as authorized representative, and manages the qualification process from start to approval — in all 48 contiguous states.
Crisis Medicaid planning
Spenddown strategies
Application filing
Fair hearing support
Medicare insurance planning
Medicare Assistant LLC
A long-term nursing home stay often begins with a qualifying 3-day hospital stay under Medicare. Understanding how your Medicare Advantage or Medicare Supplement plan handles short-term skilled nursing benefits is critical — before a crisis occurs. Medicare Assistant LLC is our go-to partner for Medicare plan selection and review.
Medicare Advantage plans
Medicare Supplement plans
SNF benefit review
Plan selection guidance
Compliant financial products
InsurMart LLC
Many crisis Medicaid plans require Medicaid-compliant financial insurance products — such as irrevocable funeral trusts and Medicaid-compliant annuities, to accelerate eligibility. InsurMart LLC is a boutique Insurance Marketing Organization connecting licensed advisors and agents with the insurance carrier relationships needed to place these products for clients facing a nursing home crisis.
Medicaid-compliant annuities
Irrevocable funeral trusts
IMO carrier relationships
Advisor & agent support
HOW IT FITS TOGETHER
The MPA ecosystem
MPA educates & connects
Medicare Assistant reviews coverage
InsurMart places compliant products
Medicaid Success Select qualifies
GET STARTED
Don't spend down before you call us.
Tell us a little about your situation and we'll be in touch to schedule a free, no-obligation consultation.
Your information is private and never shared. A specialist will contact you within one business day.
Medicaid planning education, guidance, and lead
connection for families across 48 states.
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© 2026 Medicaid Planning Advisory. All rights reserved.
Not a law firm. We do not provide legal advice. Information is educational only.