VA only. No Medicare or private ins. We have caregiver help, but he is declining and will need to go into a home when I can no longer manage. How do we do that without Medicaid (income too high), and no private insurance (fixed income too low). Having never been ill, he saw no need for Medicare when he retired and declined private insurance (too costly). To take Medicare now, he must make up all the missed payments: 204 months x$109 = $22, 236, which works out to about $1800/mo now for Medicare. Obviously, that is not an option. His life insurance is just enough for cremation, nothing to convert to long-term care. We are on a tight fixed income - even smaller now, because I spend most of my time caring for him. Where do we get financial help to help him get the care he needs when I can no longer provide it? We are in that mid-level, financial sink hole: too much income, but not enough. Advice please.