Navigating long-term care shouldn't be so hard.
Medicaid rules, nursing home costs, home care prices, and caregiver benefits all depend on where your loved one lives. We bring everything together in one place so your family can go from overwhelmed to ready.
The questions feel endless and impossible to navigate.
You're not alone. These are the questions families bring to LTCareNav every day — and every state page is built to answer all of them.
Where does your loved one live?
Medicaid eligibility, long-term care costs, home care prices, caregiver compensation programs, and local social services are all state-specific. Select your state to see everything available in one place.
Long-term care is costly enough. That's why LTCareNav is completely free — no credit card, ever.
Looking for tools that aren't state-specific? Visit our resources hub →
Things families ask us about long-term care
Every state administers its own Medicaid long-term care program, Medicaid waiver programs, state-funded caregiver support services, and local nonprofit and social service networks. The rules, income limits, and available programs vary significantly — what's available in Texas looks very different from what's available in New York or Ohio. LTCareNav organizes all of it by state so you're not piecing it together from government websites. Select your state above to see Medicaid eligibility rules, local care costs, nursing home and home care prices, caregiver compensation programs, nonprofit resources, and more.
Medicaid long-term care coverage — including nursing home Medicaid and home and community-based waiver programs — has different eligibility rules in every state. Income limits, asset thresholds, look-back periods, and covered services all vary. Our state guides include a plain-language Medicaid eligibility checker and direct connections to free SHIP counselors and your state's Medicaid agency so you can get answers without navigating government websites alone.
Yes — in many states. Medicaid self-directed care programs and home and community-based waiver programs allow eligible individuals to hire a family member, including an adult child or spouse in some states, as a paid caregiver. The rules vary significantly by state. Our caregiver compensation tool on each state guide will show you whether a program exists in your state and exactly how to apply.
Significantly. The average nursing home cost in the United States exceeds $126,000 per year for a private room, but rates vary widely by state and by city. Assisted living costs average around $6,200 per month nationally but can range from under $4,000 to over $9,000 depending on location and level of care. Home care costs average around $6,673 per month and also vary by state and by the type of aide required. Our care cost calculator on each state guide shows real local rates for nursing homes, assisted living, memory care, and home health aides in your area.
No. Every tool on every state guide is completely free — no account required, no credit card, ever. Creating a free LTCareNav account saves your results and generates a personalized long-term care plan you can share with family members, doctors, or an elder law attorney. The tools are always free. The account makes your work portable and keeps everything in one place when you're ready for that step.
Your state's long-term care guide is one click away.
Free guides covering Medicaid eligibility, nursing home and home care costs, caregiver compensation, nonprofit help, and more — organized for your state.