Long-term care can cost $10,000–$12,000 per month. Without proper planning, those expenses can quickly drain a lifetime of savings.
Medicaid Planning helps you protect what you’ve built while ensuring you receive the care you need without going broke in a nursing home.
Our Approach
At some point, many families face the reality of long-term care.
In Wisconsin, the average monthly cost of nursing home care ranges from $10,000–$12,000 depending on location and level of care.
At that rate, $120,000+ per year can quickly consume retirement savings. Everyone should pay their fair share for care. But that does not mean you must spend everything you have before qualifying for benefits. With proper planning, you may be able to:
- Protect a spouse from financial hardship
- Preserve a portion of your estate for your family
- Maintain eligibility for Medicaid benefits
- Avoid unnecessary asset loss
Our education-first model helps you understand how Medicaid works before a crisis forces rushed decisions.
There are two primary paths:
- Proactive Planning – Strategies implemented years in advance to protect assets and create flexibility.
- Crisis Planning – Legal strategies used when a loved one is already in a facility or about to enter one.
Both require careful coordination and an understanding of complex eligibility rules.
Planning early provides the most options. But even in crisis, there may still be solutions.
We Help
- Individuals planning ahead for long-term care
- Married couples seeking to protect the healthy spouse
- Families facing an immediate nursing home admission
- Adult children trying to protect a parent’s savings
- Powers of Attorney acting during a health crisis
- Anyone concerned about long-term care costs and asset preservation
If long-term care is a possibility, Medicaid planning matters.
What We Do
We create a personalized Medicaid planning strategy that may include the following, depending on your situation. Our services are packaged into customizable options, and all fees are flat-rate and agreed to in advance.
- Pre-Planning Asset Protection Strategies
- Medicaid Eligibility Analysis
- Crisis Planning and Spend-Down Strategies
- Spousal Protection Planning
- Trust-Based Planning for Long-Term Care
- Coordination with Existing Estate Plans
Our goal is simple: structure your resources so you receive care without unnecessary financial devastation.
You Don’t Want to End Up a Statistic
of Seniors Need Long-Term Care
Long-term care is not rare. It is common.
Per Month
Without planning, that level of expense can deplete savings quickly.
Plan Before It Becomes a Crisis
Medicaid planning is not about hiding assets. It is about understanding the law and using it correctly. With thoughtful planning, you can:
- Protect your spouse
- Preserve part of your legacy
- Receive quality care
- Avoid unnecessary financial hardship
The best first step is education. Our workshops explain how long-term care funding works, what Medicaid actually covers, and what planning options may be available to you.
Reserve Your Seat at an Upcoming Medicaid Planning Workshop
Frequently Asked Questions About Medicaid Planning
HOW DOES MEDICAID PAY FOR LONG-TERM CARE?
Medicaid is a government program that can help cover the cost of long-term care, including nursing home care, for those who meet certain financial and medical eligibility requirements. Unlike Medicare, Medicaid is designed to assist with extended care needs, but qualification depends on strict income and asset rules.
DO I HAVE TO SPEND ALL MY MONEY BEFORE I CAN QUALIFY?
Not necessarily. While Medicaid does have asset limits, proper planning can allow you to protect certain assets, especially for a spouse, while still qualifying for benefits. The key is understanding the rules and putting the right strategy in place before or during a time of need.
WHAT IS THE “LOOK-BACK PERIOD”?
Medicaid reviews financial transactions made within a specific period of time (typically five years) before you apply. If assets were transferred improperly during that time, it can result in a penalty period where you are not eligible for benefits. Planning ahead helps avoid these issues.
WHAT IS THE DIFFERENCE BETWEEN PRE-PLANNING AND CRISIS PLANNING?
Pre-planning happens well before care is needed and allows for more flexibility and protection strategies. Crisis planning occurs when someone is already entering a nursing home or needs care immediately. While options may be more limited in a crisis, there are often still strategies available to help protect assets and secure benefits.
CAN I PROTECT MY HOME?
In many cases, yes, especially if a spouse or dependent is still living in the home. There are also additional planning strategies that may help protect your home from being sold to pay for care or from estate recovery after death. The right approach depends on your specific situation.
WHEN SHOULD I START MEDICAID PLANNING?
The earlier, the better. Planning in advance provides the most options and the greatest opportunity to protect assets. That said, even if care is needed now or in the near future, it is still worth exploring your options. There may be solutions available.
N14 W24200 Tower Place, Suite 201
Waukesha, WI 53188
