My mom owns no home and has cash assets of 30K, and wishes to stay in her home. Located in Bucks Co, PA. If hospitalized, I imagine she may not be allowed to move back into her apartment and live alone. I wish to establish a burial reserve before things become difficult as she is 98!! Does Medicare or Medicaid jump in when funds are depleted? Does Medicaid help with in home care if her needs allow for that?