Short answer
If private funds run out, the options generally are a Medicaid HCBS waiver for care inside a licensed community, Medicaid nursing facility coverage, or moving to a community that holds a waiver provider agreement. Confirm your state's specific programs before relying on this.
Ask before you move in, not after
This is the single most consequential question families skip. A community that does not hold a Medicaid waiver provider agreement will ask your parent to leave when private funds are exhausted — often with short notice, at the point when moving is hardest.
Ask directly: do you hold a Medicaid waiver provider agreement, and how many current residents use it? A community can technically hold an agreement and still have no waiver capacity available.
How families pay for care. Minnesota's Elderly Waiver and Alternative Care programs pay for care services -- never room and board -- and VA Aid and Attendance can add tax-free monthly income for eligible veterans. Read the full explanation →
The local long-term care ombudsman. Minnesota's Office of Ombudsman for Long-Term Care (1-800-657-3591) is a single statewide office covering the entire Twin Cities metro. Read the full explanation →