OP-
As noted above, most states have a program structured around these characteristics:
- Nursing homes can choose to have or not have “MediCAID” (Not Medicare) certification, meaning they have a certain number of Medicaid beds
- Medicaid certification means that the facility must accept what Medicaid pays, after the resident has met the asset/income tests (IOW, cannot self pay) in that particular state (IOW, the resident cannot be evicted for nonpayment)
- Most states have some form of asset recovery (Including the primary home) if Medicaid pays for care
- Medicaid will typically not pay for “Assisted Living” but, some (most?) states have some sort of graduated program to help with ADL when necessary.
I see you’re in Warren, Michigan. You may want to check out the PACE program, which includes services in Warren, if your in-laws are there (or in another area served by PACE).
https://www.michigan.gov/mdhhs/0,5885,7-339-71551_2945_42542_42543_42549-87437--,00.html
ETA: I went through this process in another state and, I found the State Agency on Aging VERY helpful. Suggest you contact them if you’ve not already done so.
https://www.michigan.gov/osa/1,4635,7-234-64081-295815--,00.html
thank you and thanks for the reminder about PACE, I read a bit about it before and even bookmarked the site but forgot about it