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Medicaid Planning for Montana Seniors

Legacy Navigation is a team of Certified Medicaid Planners™ providing Medicaid planning and clinical case management services for individuals aged 65 and over in Montana. With specialized training in Medicaid programs, we assist with qualification and application processes- and for a fraction of the cost of an Elder Care Attorney. Our dedicated team is here to support you and your family’s journey through the Medicaid application process with integrity and compassion.

Contact Us For Free Consultation

We’re Montana Medicaid Planning Experts for Seniors

Our team combines education, expertise, and empathy to offer professional assistance to Montana seniors and their families seeking long-term care Medicaid benefits.

Determining Eligibility

Our team understands Montana’s Medicaid eligibility criteria, enabling us to help you navigate the state's income and asset limits. As a clinical care team, we can guide you through the assessments designed to determine your medical necessity for care.

Application
Assistance

Montana’s Medicaid application process is complicated. Many times, applicants are denied due to procedural mistakes. With our experience in the application process, we can identify all the Medicaid programs you may be eligible for. We’ll handle the application for you and help speed up the approval process.

Big Sky Waiver Program

Did you know the Big Sky Waiver Program may help you pay for care in your home or as assisted living or memory care? Our qualified team can walk you through the Montana Medicaid state plan and ensure you qualify and apply for the correct program. We can also help you access providers to establish the ongoing care you and your loved one may need.

Meet Our Team

Contact Us

Our Medicaid Planning Process for Montana Seniors

1

INITIAL CONTACT

You reach out to us by phone, email, or through our website. We gather some basic information and listen to your needs.

Result: We schedule your complimentary consultation.

2

CONSULTATION

We meet with you (virtually or by phone) to understand your situation, review your goals, and answer your questions.

Result: You receive a clear recommendation and plan overview.

3

ENGAGEMENT

If you decide to move forward, we’ll send your engagement agreement. Once signed and payment is received, we begin.

Result: You’re officially part of the Legacy Navigation family.

4

DOCUMENT COLLECTION

We provide you with a custom document checklist and guide you every step of the way to gather what’s needed.

Result: We build a complete picture of your financial situation.

5

STRATEGY & PLAN

We analyze your information and create a personalized Medicaid strategy tailored to your goals and timeline.

Result: You receive a clear plan with next steps explained.

6

PLAN EXECUTION

We put the plan into action: setting up trusts, completing spend-down strategies, or coordinating with trusted partners as needed.

Result: You don’t have to navigate this alone. We handle the details.

7

MEDICAID APPLICATION

We prepare and submit your Medicaid application and all supporting documents. We follow up with the state on your behalf.

Result: Your application is in process and moving forward.

8

APPROVAL

Once approved, we’ll notify you right away and review the approval details with you.

Result: You’re approved for Medicaid and ready for the next steps.

9

POST-APPROVAL SUPPORT

We help ensure everything is in place: provider enrollment, care coverage, and any follow-up actions needed.

Result: You can feel confident knowing everything is taken care of.

10

FOLLOW-UP & ONGOING CARE

We check in after approval to make sure everything is working smoothly and answer any new questions.

Result: You have a trusted partner for the long term.

Client and Community Partner Medicaid Planning Testimonials

I was referred to Legacy Navigation when my parents in their 90’s needed to go into Assisted Living. Melissa Hardy was so knowledgeable and helped us through every step of the way. She took a very stressful time and helped me step by step. I could not have possibly figured this out on my own. From finding a facility to getting approved for Medicaid and beyond. Even though I had over 22 years as an insurance broker, this was beyond my knowledge. I highly recommend Legacy Navigation when you need to work through the system. Melissa Hardy is not only great at navigating but she is also great at being there every step of the way and even after everything was complete. She has also become a great friend through all of this process.
Diane G.
Legacy Navigation is an amazing company. Just a year ago I was trying to manipulate all the paperwork so my Mother could get approved for Medicaid. I contacted Legacy and they came to my home for a free consultation, which at the end they let me know the cost to hire them. It was the best money spent. This team of ladies knows how to get stuff done. Within 90 days my Mother was approved and set up for her remaining days. They took the hassle and stress off by doing all the leg work for me. Every one of them cares the very best for their customers and they provide an outstanding service. I would never use anyone else and will return for their help on future needs for my Father as well as In-laws. Loved working with them the entire time.
Gene J.
We have watched Brooke and Jessica grow this amazing company from its first day of inception. They have helped hundreds of people and continue to grow daily! We are super proud of Brooke and Jessica and Legacy Navigation. We have referred several neighbors and friends who have contacted them and learned about what benefits they can provide. They are expanding their continued education and reaching out to other communities and states.
Dale and Gale B.
Legacy Navigation made my grandmother's medicaid enrollment and assisted living placement a breeze. We didn't know where to start when my grandma's rent continued to rise and she could no longer afford to stay. They walked us through every step and helped us navigate the options out there for seniors. We are so appreciative of all they did for us!
Krystal B.

Legacy Navigation’s Medicaid Planning Services for Montana Seniors​

Exceeding Montana’s Medicaid income and asset limits doesn’t necessarily disqualify you from Medicaid benefits.

If your care costs are greater than your income, Medicaid planning strategies are available to help adjust your finances and assets to meet eligibility requirements.

As certified Medicaid consultants, we have a thorough knowledge of Medicaid programs and can help you navigate current Medicaid rules and complete the application on your behalf. Learn more here.

As part of our Medicaid consulting for seniors process, we help you legally structure your financial resources in compliance with Medicaid’s guidelines to meet Medicaid’s income and asset eligibility limits. Learn more here.

We provide guidance on converting countable assets into exempt assets to preserve your family’s financial resources. In many cases, we can protect the family home and ensure that a healthy spouse has adequate resources to continue living independently. Learn more here.

Having a Power of Attorney for medical and financial decisions if you become incapacitated is one of the best planning tools you can implement. Our team will educate you on your choices and help you complete a POA according to your wishes. Learn more here.

Our clinical background sets us apart from other firms who provide Medicaid planning services. Beyond the Medicaid application process, we can secure the services you need for long-term care, whether that be home health services, assisted living, or skilled nursing. Learn more here.

If you or your loved one needs to relocate, our team of Medical Travel Companions can help. We arrange all transportation, medication administration, and clinical and comfort management during the trip. Learn more here.

How Can Medicaid Planning Help Montana Seniors?

Montana Medicaid Crisis Planning

  • A senior living at home in Montana may face an unexpected life event that quickly alters the level of care they need daily.
  • Seniors and family members may quickly discover that the cost of in-home care or assisted living exceeds their income.
  • This may leave family members scrambling to apply for Montana’s Medicaid benefits—which are complex and ever-changing.
  • Legacy Navigation has the experience to process your unique situation, develop a specialized Montana Medicaid plan, and complete the application process on your behalf—minimizing the risk of denial and delayed access to benefits.

Montana Medicaid Pre-Planning

  • Seniors who are currently healthy should plan to ensure they are prepared for any changes in their long-term care needs.
  • Preparation involves creating an estate plan that preserves your assets and ensures the longevity of your funds, especially if long-term Montana Medicaid benefits are needed.
  • Even without the pressure of immediate need, the Montana Medicaid application process can be complicated and extensive.
  • Legacy Navigation can properly educate you about your options, help you manage your finances, and convert your assets to extend the life of your savings. You’ll feel confident that you’re prepared for a sudden change in your care needs.

Benefits of Medicaid Planning for Montana Seniors

  • Safeguard your assets are protected
  • Assistance with Medicaid applications
  • Eligibility support for HCBS waiver
  • Guidance on financial options for long-term care

FAQs on Medicaid Planning for Seniors in Montana

Montana seniors aged 65 and over can qualify for Medicaid if they meet specific low income and asset limits. Functional needs are also taken into account for seniors to qualify for Medicaid in Montana — specifically for long-term care services.

Yes, through Home and Community-Based Services (HCBS) Waivers and Aged, Blind, and Disabled, Oregon seniors may use Oregon Health Plan to pay for some long-term care services. Room and board is not covered. 

Medicaid has a 5-year lookback period, so it’s recommended to start the Medicaid planning process at least five years before long-term care is needed to avoid issues. If your family needs immediate care, Oregon seniors can still benefit from crisis Medicaid planning, which helps structure assets appropriately and expedite eligibility.

The Community Spouse Resource Allowance allows a Montana spouse to keep significant assets while the Monthly Maintenance Needs Allowance ensures they still receive a sufficient monthly income. 

Not necessarily. As long as your situation isn’t too complex, a certified Medicaid planner who specializes in eligibility strategy and spend-down planning, and knows how to navigate the intricate rules around Medicaid, may be used for Medicaid planning in Montana. 

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We are an independent certified Medicaid planning agency and not connected with Medicaid. We specifically focus on the 65 and older and disabled populations, and related A&D Medicaid waivers. We are unable to answer questions outside of these programs. For questions regarding other Medicaid programs, SNAP, health plans, etc. please call your local state Medicaid agency.