The Medicaid program pays for about half of the country’s total nursing home costs. To qualify for Medicaid, a senior must have a low income and very few assets. This means that many people are not eligible until they have spent almost all their savings paying for a residential facility or home care themselves. But if one spouse remains at home while the other lives in a long-term care facility, Medicaid allows you to keep more assets. And you can do some planning that will let you avoid having to become destitute to get Medicaid to pay for nursing home costs.