Protect What Matters

Medicaid Asset Protection Planning in Maize, Kansas

Families in Maize, KS work hard for what they have. When a loved one needs long-term care, the last thing you should have to do is hand it all over. Long-term care in Kansas costs nearly $8,000 a month — and without a plan, those costs can drain a lifetime of savings in just a few years.

The good news: You have more options than you think.

Common Myths That Cost Maize Families Money

"We have to spend everything before Medicaid kicks in."
"It's too late to protect anything."
"Giving assets to our kids will solve the problem."
"Medicare will cover the nursing home."

Every one of these assumptions can lead to devastating financial mistakes. Advanced Legal Planning helps you separate myth from reality — and put a real protection plan in place.

Trusted Medicaid Asset Protection for Maize Families

At Advanced Legal Planning, we specialize in Medicaid asset protection strategies that are fully legal, thoroughly documented, and designed to protect as much of your estate as possible. We serve families in Maize and throughout Sedgwick County, and we understand both the local landscape and the complex federal and state Medicaid rules that govern long-term care planning in Kansas.

Attorney Mark Galloway holds dual LL.M. degrees in Elder Law (University of Kansas) and Tax (Boston University) — and he brings that expertise directly to your family's situation.

Our Medicaid Planning Blueprint

Step 1: Schedule a Free Consultation Get clarity about your situation and eligibility.
Step 2: Create a Legal Plan to Qualify We structure your assets correctly and prepare your Medicaid application the right way.
Step 3: Secure Medicaid & Peace of Mind Your loved one gets the care they need, and you keep what's yours.

What Are My Options?

Without the assistance of insurance, the monthly expense of long-term care is difficult for most families to cover. There are three options to pay for Long Term Care expenses.

Long Term Care Insurance

Long Term Care Insurance is designed to pay for chronic medical conditions. These policies pay a daily rate.

Cost – According to the 2020 Price Index, a healthy 55-year-old male should expect to pay about $1,700 per year for a policy that offers benefits of $164,000. If unused, those benefits compound over time to offer $386,500 by age 85.

Tax Deductions – If you itemize your deductions, Federal and Kansas tax laws allow a deduction for part or all of your Long Term Care insurance premiums as medical expenses.

State Partnership Program – Having a qualifying Long Term Care policy enables you to apply for Medicaid under modified rules, allowing you to keep more resources and still qualify.

Private Pay

Without the help of any insurance, an individual is required to pay for Long Term Care from their own resources. In Kansas, the average expense will be near $100,000 per year. Bank accounts can drain quickly at this rate. One way individuals sometimes raise the needed funds is to get a reverse mortgage on the family home.

Many people believe they are required to use all of their resources to pay for this care until they are poor enough to qualify for Medicaid. Advanced Legal Planning may be able to help you qualify more quickly while preserving a significant percentage of your assets.

Medicaid

Medicaid is a needs-based benefit to pay for medical care. If you qualify, Medicaid can pay for Assisted Living, Home Health Care, or a Skilled Nursing Facility. Whether someone needs care immediately or there is time to plan, Advanced Legal Planning works with individuals and families to design plans that:

- Protect the most assets,

- Qualify for Medicaid as quickly as possible, and

- Allow for the best care to be provided to loved ones in need of Long Term Care.

Local Client Story

"We came to Mark after my father was already in a memory care unit and thought it was too late. It wasn't. He helped us protect my mother's financial security and made sure she wouldn't be left with nothing. We are so thankful."

— Linda R., Maize, KS

Safeguard Your Family's Future with a Strategic Medicaid Asset Protection Plan.

We provide personalized education and trusted guidance to individuals and families in Maize, helping you make informed, confident decisions about protecting your assets, securing long-term care, and preserving your legacy — without the confusion or risk of going it alone.

FAQs

What is Medicaid asset protection planning?

Medicaid asset protection planning involves legally restructuring your assets and income so you can qualify for Medicaid while preserving as much of your estate as possible. It's done within the rules — no hiding assets, no illegal transfers. Just smart, legal planning.

Why is this important for Maize families?

Long-term care costs in Kansas average nearly $8,000 per month. Without proper planning, families in Maize and throughout Sedgwick County can be forced to spend down everything before receiving Medicaid benefits. Asset protection planning changes that outcome.

When should I start?

Ideally before you need long-term care — but even in a crisis, we can often help. The sooner you call, the more options you'll have.

Can I just give my assets away to qualify for Medicaid?

No. Giving away assets without proper planning triggers a Medicaid penalty period. Medicaid enforces a strict five-year look-back period on all asset transfers. Working with an experienced attorney ensures your transfers are structured correctly and legally.

Will Medicaid try to recover my home after I pass away?

Kansas uses the Medicaid Estate Recovery Program (MERP), which can seek repayment from an estate after the recipient's death. Properly structured trusts and other legal tools can often protect the home from recovery.

What does Medicaid cover that Medicare doesn't?

Medicare covers only limited short-term rehabilitation. Medicaid covers long-term nursing home care, memory care, personal care assistance, and some in-home and assisted living services — making it the primary payer for long-term care for most families.

What assets are exempt under Medicaid?

Exempt assets typically include your primary residence (up to a certain equity limit), one vehicle, personal property, certain prepaid funeral arrangements, and limited cash. Strategic planning can help shield additional non-exempt assets.

Can my spouse keep assets if I qualify for Medicaid?

Yes. The healthy spouse, called the Community Spouse, is entitled to keep a share of the couple's assets and income. Careful planning can maximize what the well spouse is allowed to keep.

What if I apply without a plan?

You risk spending down your entire estate, facing delays or denials, leaving your spouse financially exposed, and potentially losing your home through estate recovery. An experienced Medicaid planning attorney helps you avoid all of this.

How does Advanced Legal Planning help Maize families?

We analyze your financial situation, design a legal asset protection strategy, prepare your Medicaid application, and guide your family every step of the way. Our goal is simple: Protect What Matters — your health, your family, and your future.

Areas We Proudly Serve

At Advanced Legal Planning, we provide Medicaid Planning and Elder Law services to families across Kansas and Northern Oklahoma. Whether you're in Wichita, Derby, Hutchinson, or any of the surrounding cities, our mission is the same: to help you protect your home, your savings, and your legacy while securing the long-term care you or your loved ones need.

Medicaid Planning in Wichita

Medicaid Planning in Derby

Medicaid Planning in Andover

Medicaid Planning in Valley Center

Medicaid Planning in Park City

Start Planning Today

Not in the immediate Wichita area? We proudly serve families across Kansas and Northern Oklahoma. Virtual meetings are available by request. Schedule a Virtual Consultation and get peace of mind without leaving your home.