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Another good question to ask is whether they will take care of you until end of life. Some places are only licensed to give care to a certain level and after that, you need to move to a different place.
It depends upon the state, the licensing and the way your state administers/runs the Medicaid program.
When my BIL went to the nursing home they helped us with getting everything set up. But I was already rep payee which I have been filling out that paperwork for Medicaid for some time now. But now its all in the hands of the NH they will fill out paperwork every year when his review comes up.
Prayers
The best thing is to get all the assets together. Then find out what CAN be afforded monthly. You will be left with the decision to apply for Medicaid or not once you know exactly what is what. Then it is to find the facility you like best that can work with you on the cost, that can be afforded.
I sure wish you the best and hope you'll update us as to what you find in your area.
this is a good article that explains how it works and general options and then you have to look at your state’s requirements. https://www.aplaceformom.com/caregiver-resources/articles/medicaid-and-memory-care
You can check with your local Senior Center or Area Agency on Aging to see if she qualifies for any services that would provide caregivers or Adult Day Programs. Any of these would help you and allow you to keep her home for a bit longer.
If she has other medical conditions she may qualify for Hospice. That would give you a Nurse visiting weekly. A CNA 2 to 3 times a week to help with bathing. And all the supplies you need would also be provided and delivered. this includes her medications, incontinence supplies and any equipment that you need. You would have access to a Social Worker, a Chaplain and you can request a Volunteer that would come and sit with mom while you go out or help with other things. (they can not do "hands on care")