In Pennsylvania there is a Waivers program to keep a loved one at home instead of in a Medicaid facility. Income under $2199, assets below $8000. How does a family do this? Mom's apartment alone is $975 not including gas, electric. And she has $300 in Medigap policy. Anyone know if Medicaid takes any of this in to consideration. Mom's assets will go to zero in no time if this is all out of pocket.