Advanced Legal Planning
Medicaid Long-Term Care Strategies in Park City, KS
When long-term care becomes necessary, most Park City families face two big fears:
How will we afford it?
Will we lose everything we’ve worked for?
With nursing homes in Kansas costing more than $80,000 per year, it’s easy to see why. But the good news is this: With proper Medicaid planning, your family can get help paying for care while protecting much of your savings and assets.
At Advanced Legal Planning, we help Park City families understand how to qualify for KanCare (Kansas Medicaid) while keeping their homes, their savings—and their dignity.
Why Long-Term Care Planning Matters
Long-term care isn’t just about medical needs—it’s about preserving quality of life and financial stability for both the person receiving care and their loved ones.
Without a plan, families may:
Spend down retirement accounts
Sell property to pay for care
Leave a spouse financially insecure
Lose inheritance meant for children
What Medicaid Covers (and What It Doesn’t)
Kansas Medicaid—also known as KanCare—can help cover:
Skilled nursing home care
Some assisted living costs
In-home care services
Medications and therapies
But Medicaid has strict income and asset limits, and only pays once you qualify. That’s why early or crisis planning is key.
Long-Term Care Planning Tools We Use
Medicaid Asset Protection Trust (MAPT)
- Transfers assets out of your name—but into a protected trust
- Begins the 5-year “lookback” clock for Medicaid eligibility
- Keeps assets safe from estate recovery
- Maintains step-up in basis for tax advantages
- Allows you to keep control through trustee appointments
Medicaid-Compliant Annuities (Married Couples)
If one spouse enters care and the other stays home, we can help protect assets by converting them into income—which is allowed for the healthy spouse.
This strategy:
- Keeps more money in the family
- Helps preserve lifestyle for the healthy spouse
- Is fully Medicaid-legal in Kansas
Crisis Planning (It’s Not Too Late)
Even if your loved one is already in a facility, we can often protect 40–70% of remaining assets through:
- Emergency trust setup
- Strategic gifting
- Annuities and caregiver agreements
Common Mistakes Park City Families Make
Avoid these all-too-common pitfalls:
Giving away assets to children (this triggers penalties)
Applying too late—or without a strategy
Relying on outdated legal documents
Not considering Medicaid’s 5-year lookback period
Thinking the house is safe just because it’s exempt
Pro Tip: Exempt assets like the home can still be taken later through estate recovery—unless properly shielded in advance.
What Makes Us Different
Advanced Legal Planning doesn’t just “fill out forms.” We help Park City families:
Build real strategies to preserve assets legally
Avoid Medicaid mistakes that cost thousands
Ensure the spouse at home is protected
Create long-term solutions, not short-term fixes
Real Family Example (Names Changed for Privacy)
When “Sam and Linda” came to us, Sam had just been diagnosed with Parkinson’s and would soon need nursing care. They feared losing:
Their home
Their retirement savings
Linda’s financial security
We created a Medicaid-compliant plan that:
Qualified Sam for KanCare within 90 days
Protected their home from estate recovery
Ensured Linda could maintain her lifestyle
Start Long-Term Care Planning Today
Whether you’re just starting to plan or already facing a crisis, we’re here to help.
Your Next Step
Long-term care doesn’t have to mean financial devastation. With the right Medicaid strategy, your family can secure care and peace of mind.
Contact us today and take the first step toward protecting everything you’ve worked for.
At Advance Legal Planning, we believe long-term care shouldn’t mean losing everything. Our dedicated team helps families navigate Medicaid and estate planning, ensuring you can protect your home, savings, and future—without the confusion or stress.
Get In Touch
Call (316) 252-2233 for Professional Medicaid & Estate Planning
Derby Office
111 N. Baltimore Ave Derby, KS 67037
Mon – Fri 9am to 5pm
Sat & Sun – Closed
Wichita Office
10300 W Central Ave Wichita, KS 67212
Mon – Fri 9am to 5pm
Sat & Sun – Closed
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