Medicaid Planning

Medicaid Planning Attorney in Wichita & Hays, Kansas

Working with an experienced Medicaid planning attorney in Wichita or Hays can help you qualify for benefits, protect your assets, and plan for the cost of long-term care.

What Is Medicaid Planning?

Medicaid planning is one of the most important steps you can take when preparing for long-term care.

As life expectancies increase and the cost of long-term care continues to rise, many families are faced with a difficult question, how to pay for care without losing everything they’ve worked hard to build.

Nursing home care can be very costly. Even those who can afford to pay initially may see their savings depleted in a matter of months. For many families, Medicaid has become the primary way to help cover the cost of long-term care.

However, qualifying for Medicaid is not simple. The program has strict rules regarding income and assets, and without proper planning, individuals often spend more than necessary, putting their financial security and their family’s future at risk.

Medicaid planning helps you navigate these rules, protect your assets, and make informed decisions about long-term care.

Understanding Medicaid

Medicaid is a joint federal and state program that provides health coverage for individuals who meet certain income and asset requirements. It helps cover the cost of long-term care for those who qualify, including nursing home care and, in some cases, in-home care services.

Because Medicaid is needs-based, eligibility depends on meeting specific financial criteria, which makes planning essential.

How to qualify for Medicaid in Kansas

To qualify for Medicaid, applicants must meet strict limits on both income and assets. Understanding how different types of assets are treated is an important part of the process.

In general, certain assets may be considered exempt, meaning they are not counted toward eligibility.

These may include:

• A primary residence (within allowable equity limits)

• Personal belongings and household goods

• One vehicle

• Certain income-producing assets

• Burial funds and prepaid funeral arrangements (within allowable limits)

• Certain life insurance policies (depending on value and structure)

Assets that are not considered exempt are typically treated as countable assets. These include most forms of money, investments, property, or other items that can be converted into cash.

Because countable assets are used to determine eligibility, individuals often face difficult decisions about how to structure their finances. Without proper planning, it’s common to spend more than necessary or make choices that negatively impact long-term financial security.

Medicaid rules are complex and can change over time. Working with a Medicaid planning attorney can help ensure your assets are structured appropriately, allowing you to qualify for benefits while protecting what you’ve worked hard to build.

Protecting What You’ve Worked Hard to Build

Medicaid planning is about more than qualifying for benefits, it’s about protecting your financial security and your family’s future.

Our goal is to help you:

• Preserve assets for your spouse and loved ones

• Avoid unnecessary financial loss

• Navigate complex rules with clarity

• Plan for long-term care with confidence