I’m no expert, but found the following in my state. Long term care can be provided in multiple ways. Some people with dementia may qualify for a Memory Care unit. These units are usually located inside an Assisted Living facility. Assisted Living is not the same as a nursing home. The Assisted Living facilities, including Memory Care, are not covered by Medicaid long term care. However, many states, such as NC, have similar programs that provide financial assistance to those who qualify by income and asset criteria. In NC it’s called Special Assistance.

And then some people with dementia may also qualify for nursing home care. Patients with dementia are also cared for there, similar to Memory Care. There are certain requirements that a doctor can state that might qualify the patient for nursing home admission. Medicaid long term care does cover this care, if they meet the criteria for income and assets.

The rules and exceptions to those rules are complex. It’s best to get a thorough evaluation by someone you retain to find legal ways to suggest ways you can become Medicaid eligible. Certain Elder Law attorneys will advertise if they are “Medicaid” certified. They can recommend options to help you, . I’d be careful listening to what a lay person might say. I would confirm the situation from those who really know the rules and exceptions. And you may have already dine that. There are protections offered for the spouse who may need to live in the marital home or continue to get income from the ailing spouse.

The costs of MC and Nursing Home Care varies by facility and location. But, it’s expensive everywhere that I’m aware of.

Good luck with everything. Seeking help is very stressful but will be worth it.