Protect What Matters

Arkansas City Families Deserve More Than Confusion

When nursing home costs appear overnight, Arkansas City families are often caught off guard. You may feel rushed into making decisions, afraid of losing your home or having no money left for your spouse. But the truth is—you have options.

You don’t have to do this alone. And you don’t have to lose everything.

Common Medicaid Misconceptions

We hear this from Arkansas City clients all the time:

“Do I really have to spend everything before Medicaid helps?”
“What happens to my spouse if I go into care?”
“I tried applying myself and got stuck—I’m afraid of making a mistake.”

Our job is to make the rules work for you, not against you.

A Trusted Local Partner

At Advanced Legal Planning, we help Arkansas City families just like yours navigate Medicaid in a crisis—quickly, legally, and with compassion. We focus on keeping what you’ve worked a lifetime to earn.

Our 3-Step Process

Step 1: Consultation & Clarity
We evaluate your options and protect your future
Step 2: Custom Medicaid Plan
Legal structuring, asset protection, and application support
Step 3: Approval & Relief
Medicaid is approved and your legacy remains intact

What Are My Options?

Without the assistance of Medicare, the monthly expense 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 the time he has reached 85 years of age.
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. This allows you to keep more resources and still qualify for Medicaid.

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 that 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.

What People Are Saying

“I was scared I’d lose everything caring for my husband. Mark helped us qualify for Medicaid, protect our assets, and gave us peace of mind. Forever grateful.”

— Marilyn Y., Arkansas City, KS

Safeguard Your Family’s Future with a Strategic Medicaid Plan. Schedule a free consultation with one of our experienced Medicaid Planning Attorneys today.

We provide personalized education and trusted guidance to individuals and families, 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.

Schedule a Consultation

FAQS

What is Medicaid Planning?

Medicaid Planning involves legally structuring your assets and income to help you qualify for Medicaid assistance, while protecting as much of your wealth as possible. It ensures that you or your loved one can afford quality long-term care without depleting your life savings.

Why should I consider Medicaid Planning?

Long-term care costs in Kansas average nearly $8,000 per month. Without proper planning, many families are forced to spend down everything before qualifying for Medicaid. Medicaid Planning helps you legally protect your home, savings, and assets while securing benefits for needed care.

When should I start Medicaid Planning?

Ideally, Medicaid Planning should begin before you need long-term care, but we can help even during a crisis. The sooner you start, the more options you’ll have to protect assets and qualify for care without penalties.

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

No. Giving away assets without proper planning can trigger a Medicaid penalty period, delaying your eligibility. Medicaid has a strict five-year look-back period on gifts and asset transfers. Strategic planning with an experienced attorney is essential to avoid disqualification.

Will Medicaid take my home?

In some cases, yes—especially after the Medicaid recipient passes away. However, with the right planning, your home can often be protected from Medicaid estate recovery. Techniques like properly structured trusts or spousal protections can safeguard your property.

What does Medicaid cover that Medicare doesn’t?

Medicare provides very limited long-term care coverage, usually only short-term rehabilitation. Medicaid, on the other hand, covers:

- Long-term nursing home care

- Memory care services

- Personal assistance with activities of daily living (ADLs)

- Some in-home care and assisted living services (depending on the state)

What assets are exempt when applying for Medicaid?

Some assets are exempt, including:

- Your primary residence (up to a certain equity limit)

- One vehicle

- Personal belongings and household goods

- Certain types of prepaid funeral plans

- Limited cash reserves

Strategic planning can help protect more of your non-exempt assets legally.

Can my spouse keep any assets if I qualify for Medicaid?

Yes. Under Medicaid rules, the healthy spouse (Community Spouse) is entitled to keep a portion of the couple’s assets and income. Strategic planning can maximize the amount protected for the well spouse without jeopardizing Medicaid eligibility.

What happens if I apply for Medicaid without a plan?

Without a plan, you risk:

- Being forced to spend down your life savings

- Facing long delays or denials in coverage

- Leaving your spouse financially vulnerable

- Losing your home to estate recovery after death

Working with an experienced Medicaid Planning attorney ensures you avoid these devastating outcomes.

How can Advanced Legal Planning help with Medicaid Planning?

At Advanced Legal Planning, we guide you through every step:

- Analyze your current financial situation

- Legally structure your assets for maximum protection

- Create a personalized Medicaid eligibility strategy

- Assist with Medicaid applications and appeals

- Protect your family’s legacy while securing care

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.

We understand the local rules, the urgency of crisis planning, and how to use the law to your advantage—wherever you live.

Explore our full list of service areas below to find personalized help in your community.