Skip to Main Content
Paying For Nursing Home Care
Commonwealth Elder Law is now Elder Law Lexington

The goal of Elder Law Lexington is to save your home and life savings


There are three ways to pay for nursing home care: Medicare, Private Pay, and Medicaid.

Medicare only pays under limited circumstances and for a limited period of time. Medicare will only pay the full cost of nursing home care for twenty days. Private pay is using your own money and assets to pay for your care. Medicaid is a government program that will pay for your care but only if you meet certain specific requirements. These requirements are so strict that one penny can result in a loss of thousands of dollars each month.

To understand how you can qualify for Medicaid you need to know the rules.

  • Income Cap
  • Monthly Personal Needs Allowance
  • Individual Resource Allowance
  • Divestment Penalty Divisor
  • Minimum Community Spouse Resource Allowance
  • Maximum Community Spouse Resource Allowance
  • Minimum Monthly Maintenance Needs Allowance
  • Maximum Monthly Maintenance Needs Allowance
  • Homestead Equity Resource Limit

At your first consultation an attorney in our office will explain to you the Medicaid rules so you can understand how to qualify for Medicaid.

Call our office and set up an appointment so we can review your legal documents. Together we can create a plan customized to protect you and your children from the high cost of nursing home care.