Applicants for Medicaid may protect savings by spending them on Medicaid non-countable assets, which include:

1.    prepaying funeral expenses;
2.    paying off a mortgage;
3.    making repairs to a home;
4.    replacing an old automobile;
5.    updating home furnishings;
6.    paying for more care at home; or even
7.    buying a new home.

In the case of married couples, it is often important that any spend-down steps be taken only after the unhealthy spouse moves to a nursing home if this would affect the community spouse’s resource allowance.  See