Medicaid Long-Term Care Help for Dementia Families

A step-by-step course on exactly how to pursue Medicaid long-term care for your loved one — even if you think they make too much money or have too many assets — without spending thousands in attorney fees or weeks lost in government websites.

This is the same blueprint I followed to save our family over $450,000 in my mom's memory care — to date.

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Here's what most families don't realize until it's too late:

Memory care and nursing facilities cost $7,000–$10,000 every single month.

That's $336,000 to $960,000 — paid entirely out of pocket if you don't have a plan.

My mom has been in memory care for 50 months. Her facility costs $7,500 a month.

That's $450,000 in care costs — and she's still there.

I learned this system the hard way — piece by piece, from attorneys, agencies, and hours of research. And then I implemented it for my mom's care.

Because of that, our family doesn't pay that bill. That $450,000 is still in our family — not drained from a bank account.

I built this course so your family doesn't have to figure it out the same hard way I did.


Here's What You'll Learn:

✅ The long-term care blueprint — the requirements, the process, and what needs to happen before anything else — whether you're navigating memory care or a nursing facility. This is what I wish someone had handed me after diagnosis — a clear order of operations so you're not guessing what comes first or making a $5,000+ mistake by doing things out of order.

What to do if you think they make too much money — most families stop here and never apply. Inside the course I walk you through the strategies and legal pathways that exist specifically for families who are over the income or asset limit. These are things that have been guarded by high-priced attorneys. I'll show you everything I've learned.

How to avoid the most common reasons applications get denied — things you probably don't know about yet, mistakes that can quietly derail your application, and what to do before you ever submit.


Imagine If:

  • Your loved one could qualify — even if their income or assets seem "too high"
  • You stopped putting your own life, health, and family on hold — because your loved one finally had the round-the-clock care they needed and cost is not falling on you
  • You understood what's protected — and realized you may not have to sell the family home to pay for care
  • You had a plan before a facility pressured you into a decision
  • You stopped Googling at 2am and started moving forward
  • You went back to being a son or daughter — not just a caregiver

Who It's For:

  • Your parent or loved one has been diagnosed with dementia — and the weight of figuring out what comes next has landed on you
  • You know memory care or a nursing facility is coming — and the cost is keeping you up at night
  • You're terrified of going broke — draining their savings, your savings, or both — trying to get them the care they need
  • Someone told you Medicaid won't work for your situation — and you're not sure whether to believe them
  • You've been trying to piece together confusing information from Google and Facebook Groups
  • You're the one handling all of this — and there's no one to tell you if you're doing it right
  • You want someone who has been through this to explain the system in plain English

Does This Work For Your State?

Yes — the core Medicaid long-term care rules are federal and apply in every state. The strategies in this course work whether you're in Florida, Texas, California, or anywhere in between.

What varies by state:

  • Income and asset limits
  • Whether your state uses an income cap (and how Miller Trusts work there)
  • Medicaid estate recovery rules
  • Application process and timelines

The course teaches you how to navigate all of those — and every student gets the State Resources Directory, a complete state-by-state guide so you can look up the exact income and asset limits, your state Medicaid agency, and local elder law resources for your specific situation.


Does This Work For Conditions Other Than Dementia?

The core Medicaid long-term care eligibility rules — income limits, asset limits, medical need, and spend-down strategy — apply regardless of diagnosis. If your loved one needs nursing home level care for any reason, the framework this course teaches translates.

I teach it specifically through the lens of dementia care because that's my personal experience and what I can speak to honestly. But the Medicaid system works the same way whether the diagnosis is dementia, Parkinson's, a stroke, or another condition requiring long-term care.


What's Included:

✅ 7 self-paced video lessons a step-by-step walkthrough of how Medicaid long-term care works, what to do if you've been told your loved one doesn't qualify, how to navigate being over the income or asset limit, and what families commonly get wrong in the process. Most lessons are under 10 minutes. Start applying what you learn right away.

✅ 6 planning documents — ready-to-use tools to help you navigate the process, even if you think your loved one makes too much money or has too many assets.

✅ State Resources Directory — every student gets the State Resources Directory: a complete state-by-state guide so you can look up your exact income and asset limits, your state Medicaid agency, and local elder law resources.


Your investment today:

Not everyone navigating this process needs an attorney — but everyone needs to understand the basics first. Before spending a dollar on professional help, find out where you actually stand.

For $97, this course walks you through the basics, helps you figure out what you can handle yourself, and points you toward free legal resources if that's enough for your situation.

I'll take you through the same process and show you what I did to save our family over $450,000 in my mom's memory care.

Self-paced. No homework. Start using what you learn immediately.

One month of memory care costs more than this course. One Medicaid mistake costs more than this course. This is the cheapest decision you'll make in this process.


My Caregiving Story:

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I'm an only child who cared for my mom with early onset Alzheimer's — a journey that started when my dad died unexpectedly from a hemorrhagic stroke, all while I was finalizing a divorce.

My world was turned upside down.

I spent years figuring out how to navigate everything — from getting her diagnosed and stopping her from driving, to untangling legal issues and getting her qualified for Medicaid long-term care, all during COVID.

But here's what I didn't know when I started: I spent over $64,000 of my own money on her care — money I did not need to spend — because I didn't understand how to plan a proper spend-down. I went into credit card debt. I was staring down $7,500+ a month for her long-term care and had no idea what we were going to do.

Then I learned the system. I figured it out piece by piece — from attorneys, from research, from trial and error. I implemented it. And it worked.

Medicaid now covers her care. Her Social Security goes toward her patient pay — exactly how the system is designed to work. Our family assets are protected. My retirement is intact.

That outcome wasn't guaranteed. It happened because I finally understood how this works.

I built this course so you don't have to spend years — and thousands of dollars — figuring it out the hard way like I did.

Medicaid rules vary by state and change frequently. This course provides educational guidance, not legal or financial advice. Always consult a qualified elder law attorney for advice specific to your situation.

© 2026 Navigating Dementia Care. All Rights Reserved.

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ADD ON: The Qualification Confidence Bundle

Get the full toolkit to help implement what you learn in the course:


1. Medicaid Spend-Down Strategy Guide – Real case studies with actual dollar amounts and timelines  


2. Month-by-Month Timeline – Detailed action plans for every urgency level (crisis to 12+ months out)  


3. Customizable Budget Template – Track expenses, project cash flow, and count down to qualification  


4. Elder Law Attorney Interview Prep Guide – 32 essential questions to find the RIGHT lawyer


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