Medicaid Planning
The cost of long-term care can be overwhelming. In Florida, many elders between the ages of 70 and 90 own their homes and have modest assets ranging from $25,000 to $750,000. Yet even a short hospital stay, rehabilitation period, or unexpected diagnosis can drain savings rapidly—leaving individuals and families financially vulnerable.
Maureen Rulison, CMP, CDCP, BCPA brings over 25 years of Medicaid planning and asset protection expertise to help Florida families preserve what they’ve worked for while securing the care their loved one needs. Working in close collaboration with trusted elder law attorneys, every plan is legally sound, ethically structured, and tailored to your family’s unique situation.
What Can Medicaid Cover?
With proper planning, Medicaid can help cover the cost of:
- In-home care and support services
- Assisted living
- Memory care
- Skilled nursing facilities (nursing homes)
Many people assume Medicare will cover long-term care, but that’s rarely the case. Medicare typically covers only up to 100 days in a nursing facility—and only under specific conditions. After that, the cost falls to the individual.
How Can You Protect Your Assets?
Medicaid planning involves legally and ethically protecting your assets while helping you qualify for Medicaid benefits. We work in collaboration with trusted elder law attorneys to ensure every plan follows Florida’s Medicaid guidelines and supports your long-term well-being.
Once eligible, individuals can continue receiving benefits for as long as they remain within Medicaid’s requirements—potentially saving tens or even hundreds of thousands of dollars over time.
There is no reason for someone to lose their life savings—or live in poverty—just to access appropriate care.
Why Planning Matters
A stroke, Alzheimer’s diagnosis, or other major health event can quickly shift your needs from independent living to full-time care. Without proper preparation, you or your loved ones could be left struggling to cover costs.
Medicaid planning is most effective when it begins before a crisis — ideally years before care is needed. The earlier your family plans, the more options you have to protect assets, preserve quality of life, and maintain control over care decisions. Waiting until a crisis forces your hand significantly limits what’s possible.
Our Medicaid planning services aim to:
- Protect assets for your ongoing use
- Preserve quality of life for you and your spouse
- Ensure financial stability for future generations
- Reduce stress during already difficult times
There’s a lot of misinformation out there about Florida’s Medicaid system. We’re here to guide you through it with clarity, experience, and compassion.
