Who we serve

Every family's situation is different. Find yours below.

Whether you're a spouse at home, an adult child managing a parent's care, or a professional advisor — we have a path forward designed for your situation.

Married couples

Your spouse needs nursing home care. Your financial future shouldn't disappear with them.

Federal law provides powerful spousal impoverishment protections specifically designed to keep the healthy spouse — the Community Spouse — financially secure while the nursing home spouse qualifies for Medicaid. Most couples are unaware of how much they're legally entitled to keep.

"We routinely help married couples with over a million dollars qualify a spouse for LTC Medicaid while protecting all of the couple's assets."

What the Community Spouse is entitled to keep:

  • The primary home — in most states, the home is fully exempt from the Medicaid spenddown

  • A vehicle, personal property, and household furnishings

  • The Community Spouse Resource Allowance (CSRA) — a federally protected share of countable assets

  • A Minimum Monthly Maintenance Needs Allowance (MMMNA) — a protected monthly income amount

  • In many cases, additional assets can be converted to income streams or repositioned using compliant strategies — protecting far more than the standard allowances

Common question: "My husband is already in the nursing home. Is it too late to protect our assets?"

No — as long as assets remain, Medicaid planning is still possible. →

Single individuals

You don't have a spouse — but you still have options.

Medicaid planning for single nursing home patients is more challenging than for married couples — but far from hopeless. Through proven strategies like the Half-a-Loaf Plan, single patients can typically protect 50% or more of the assets that would otherwise be consumed by the Medicaid spenddown.

The key is acting before assets are fully exhausted. Even if you've already started spending down, it may not be too late.

The Half-a-Loaf Plan — how it works:

Determine the total "loaf" — all assets exposed to the Medicaid spenddown

Gift half the loaf — creating an intentional Medicaid penalty period

Convert the remaining half into a Medicaid-compliant annuity or promissory note that generates income to cover care costs during the penalty period

Once the penalty period ends, Medicaid coverage begins — and the gifted assets are preserved for the patient's quality of life

Result: From assets that would have been fully spent down, the strategy typically protects half or more — which can be used to enhance the patient's quality of care and daily life.

Adult children

You're managing your parent's care. Let us help you manage the financial side.

Adult children — especially daughters, daughters-in-law, and siblings — often find themselves navigating nursing home admissions, Medicaid paperwork, and family financial decisions all at once. It's overwhelming, and most families don't know where to start.

We give you a clear picture of what's possible, what's protected, and what needs to happen next — so you can focus on your parent, not the bureaucracy.

Common situations we help adult children navigate

"Mom was just admitted. What do we do first?
We walk you through an immediate asset assessment and identify what's protected before anything is spent unnecessarily.

"Dad has been spending down for months. Is it too late?"
As long as countable assets remain, planning is still possible. We assess what's left and what can still be protected.

"We don't know if the nursing home accepts Medicaid."
Most facilities accept Medicaid — and they're prohibited from treating Medicaid patients differently from private-pay patients.

"My siblings and I disagree about what to do."
We help align families around a clear, factual picture of options so decisions are made with confidence and clarity.

Important: Legal authority matters. Make sure someone has a valid Power of Attorney for your parent before a Medicaid application can be filed. We can guide you on what's needed.

REFRRAL PARTNERS

Add Medicaid planning expertise to your client relationships.

If you're an elder law attorney, financial advisor, insurance professional, or care manager, your clients facing nursing home crises need Medicaid planning guidance — and they need it fast. Partnering with Medicaid Planning Advisory gives you a trusted, knowledgeable resource to refer them to, with confidence.

We work alongside your existing client relationship — not around it.

  • Elder law attorneys — complement your legal strategy with Medicaid application support through Medicaid Success Select

  • Financial advisors & insurance agents — access Medicaid-compliant product placement through InsurMart LLC

  • Medicare insurance professionals — collaborate on Medicare plan reviews ahead of long-term care transitions through Medicare Assistant LLC

  • Care managers & social workers — give your clients a clear next step when a nursing home stay is imminent

Partner inquiry form

Tell us about your practice and how you'd like to work together.

Not sure which category fits your situation?

Just tell us what's happening and we'll figure out the best path forward together. Free, no-obligation consultation.

Medicaid planning education, guidance, and lead

connection for families across 48 states.

© 2026 Medicaid Planning Advisory. All rights reserved.

Not a law firm. We do not provide legal advice. Information is educational only.