Worried Medicaid could put your Home or Long Term Care at risk?
Worried Medicaid could put your Home or Long Term Care at risk?
Get clarity on estate recovery, aging in place programs, downsizing, or transitioning to senior living — before making a costly mistake.
Available nationwide. Local referrals provided as needed.
Why Andrew?
I help families navigate -
Medicaid
Medicare
Skilled nursing transitions
Estate recovery concerns
Senior housing decisions
My role is to help you understand how housing and healthcare decisions intersect — and what options may exist before a crisis forces the decision. The best thing you can do is understand your options ahead of time, before a crisis forces a rushed decision.
FAQ's
Yes, Medicaid can force the sale of a home after the person receiving benefits passes away through Medicaid Estate Recovery — so the risk is real. However, there are important exceptions. The home is generally protected while a spouse, a child under 21, or a blind or disabled child is still living there. In some cases, adult children who provided care may also qualify for protection. The key is planning ahead, because without proper planning, the home can be subject to recovery.
Medicaid Estate Recovery is a program where the state seeks repayment for certain Medicaid benefits—usually long-term care services like nursing home care—after a person who received those benefits passes away.
If someone received Medicaid to help pay for long-term care, the state may file a claim against their estate to recover those costs. This often includes assets that go through probate, such as a home. However, recovery is typically delayed or prevented if a spouse, a child under 21, or a blind or disabled child is still living. Some states also allow hardship exemptions.
In simple terms: Medicaid helps cover care costs while you’re alive, and estate recovery is the state’s way of trying to get reimbursed afterward—but there are important protections and planning strategies available.
There are several national and local programs designed to help seniors stay safely in their homes instead of moving to assisted living or a nursing home.
USDA Section 504 (Rural): Seniors 62+ in rural areas may qualify for up to $10,000 to remove safety hazards
VA Grants (HISA, SAH, SHA): Veterans with service-connected disabilities may qualify for up to $110,000 for major home modifications
The Eldercare Locator (800-677-1116) and BenefitsCheckUp.org help find local repair programs
Every state offers Home and Community-Based Services (HCBS) waivers that may:
Pay family caregivers
Cover home modifications
Allow “Self-Directed Care” so seniors can hire their own caregiver
Start by visiting Medicaid.gov or contacting your local Area Agency on Aging (AAA)
Medicare may help cover:
Home Health services (CNAs, light assistance)
Companionship benefits (under some plans)
Durable Medical Equipment like grab bars and non-slip mats
Guide Program: Up to $2,500 for certain beneficiaries to pay for caregiver services
Because every state is different, download our Checklist to help you check your eligibility.