Are you worried about how you’ll cover the high cost of nursing home care for your spouse or aging parent?
Do you want to make sure your family’s savings—and your home—aren’t wiped out in the process?
You’re not alone.
At Vick Law, we meet with Indiana families every week who are overwhelmed by the cost of long-term care and the confusion of Medicaid rules. Often, they’ve already started spending down assets just to qualify—sometimes draining their life savings before they find out there was a better way.
The Truth About Paying for Nursing Home Care in Indiana
Let’s talk about the numbers.
The average cost of nursing home care in Indiana is more than $7,500 per month. That’s $90,000 a year—and often more for higher levels of care.
Medicare only covers short-term stays under very limited circumstances. If you or your loved one needs ongoing care, the two options most people turn to are:
- Private pay (until the money runs out)
- Medicaid (which has strict income and asset rules)
Here’s the catch: **if you apply for Medicaid without planning ahead, you may be forced to spend down almost everything you own—**including selling the family home in some cases.
The Risk Most Families Don’t Know About: Medicaid Estate Recovery
Even families who qualify for Medicaid aren’t in the clear. After the person receiving care passes away, the state can try to recover the costs of that care from their estate.
This is called Medicaid Estate Recovery—and it can include your home.
Yes, that means your kids could inherit a letter from the state instead of the house they grew up in.
But There Is a Way to Protect What You've Built
Medicaid Asset Protection Trusts (MAPTs) are one of the most effective legal tools for protecting your home and savings from long-term care costs.
- They allow you to qualify for Medicaid without spending everything first
- They protect your house from being taken after you pass
-They ensure your legacy stays with your family—not the state
And contrary to what many people think, you don’t have to give up control, and it’s not too late if you start now.
How Vick Law Can Help
We understand how overwhelming this all feels—because we help families through it every day. We’ll walk you through your options, explain how Medicaid works in Indiana, and help you create a plan that fits your unique situation.
Whether you’re planning for the future or facing a crisis right now, we’re here to help you protect what matters most.
Want to Learn More? Watch Our Free Medicaid Planning Webinar
In this short, easy-to-understand webinar, you’ll learn:
- How to protect your home from estate recovery
- When and how to set up a Medicaid Asset Protection Trust
- What to do if care is needed soon (even if you think it’s too late)
📍We’re based in Greenwood and serve families across Central and Southern Indiana.
If you’re ready to take the next step, watch the webinar now or schedule a call with our team today.
👉 Watch the Free Webinar
👉 Schedule a Call with Vick Law
Don’t wait until your savings are gone or the house is at risk. The best time to plan is now—and Vick Law is here to help.
