Free Medicaid Spend-Down Checklist

Get the Essential Medicaid Spend-Down Checklist — Free

Avoid costly mistakes, protect your family’s assets, and qualify for Medicaid with confidence.

Worried about losing everything to qualify for Medicaid? You’re not alone.

Many families face overwhelming choices when a loved one needs long-term care. Without a clear plan, they risk losing savings, making costly mistakes, or getting denied Medicaid coverage entirely.

When a loved one needs long-term care, families are often forced to make urgent, high-stakes decisions. Medicaid can help cover the cost of nursing homes or in-home care - but only if you meet strict financial requirements. That usually means a "spend-down" of assets.

And that's where most people get stuck.

What's considered a "countable asset"?
Can I give money to my kids?
What if I sold my car last year?
Is it too late to fix this?

Without clear guidance, many families:

Accidentally make disqualifying gifts or transfers
Spend money on things Medicaid doesn't allow
Wait too long and lose out on months of care
Or worse - end up denied and paying everything out of pocket

Even one wrong decision can delay benefits, trigger penalties, or cost you tens of thousands of dollars.

What You'll Learn in the Checklist

Which expenses can be used to spend down

The most common mistakes families make

How to avoid penalties from the 5-year lookback rule

Definitions of key terms like “countable” and “exempt” assets

Built by professionals who’ve helped hundreds of families plan for long-term care, estate preservation, and Medicaid qualification.

What is Medicaid Spend-Down?

Medicaid spend-down is the legal process of reducing countable assets to meet your state’s Medicaid eligibility limits. Done right, it helps families qualify for long-term care coverage while protecting what matters most.

Get Your Free Checklist Now

Don’t risk penalties or asset loss—learn the right way to spend down.

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