Mom (89) has the wrong insurance for needed part-time home attendant and gets $3,700/mo income. What NY insurance options to apply to?

If her home has an extra entrance, consider renting out a room to a responsible nursing student. Install a camera monitoring the common area to make sure things are OK.
just one idea, maybe it works, maybe not, or some variation. Maybe another woman, late 50's, who can't afford her own home...ask at your mom's church or temple. There HAS to be someone who needs a clean extra room, and could keep an eye on your mom, maybe share a movie rental, pizza, and drive her to a couple doctor appointments. Worth investigating!

Call the Visiting Nurse Serive of NY. They are a non-profit and work with everyone. Also get her into a geriatric medical office that has geriatric nurse practitioners that offer home visits. I know that Maimonides in Brooklyn does but not sure which borough you live in. Good luck!

Check out Atria Kew Gardens as sn example.

Is your mother able to socialize, shop and cook for herself? How much longer will she be able to do that? Have you and mom looked at any independent living, assisted living places. These are not "homes" of the sort that you and mom may be thinking about. If mom falls and breaks a hip she will end up in a nh. If you and mom can get beyond what may be preconceived nations about care, she may well be safer and happier. She just doesn't know it yet. The sale or rent or reverse mortgage of her home is an asset that should be used to fund her care. Think about it. House as asset, rather than a place to live.

Thanks , but not an option. She's lived there since the mid 1950s and is comfortable there. Not that far "gone". Moving her to some "home" would surely hasten her demise. No savings I know of and living in NYC is not a good things because of too many rules and draconian attitudes, IMO.

Can the house be sold or rented out to provide for her care? Does she have savings? Now is the time to spend them.

Thanks for the idea! Her pension and Social Security basically all go for bills and upkeep of the house I was raised in and which Mum and Dad purchased in the mid-1950s. I am told that she basically and bcs she is in NYC falls in a "crack" in the system where she has MediCARE and on-paper is middle-income, meaning she "makes" too much but in-reality does not have the resources to afford what her primary doctor says she needs for the thirteen or so conditions she has. Was a schoolteacher all her life (40+ years)

If she was the wife of a WWII veteran and has few resources, try the VA Aid and Attendance program. Actually she should be able to afford Assisted Living, which is cheaper than 24/7 home care.