Probably will make an appointment with someone to talk this over but thought I'd start here. Some is probably off topic, possibly belongs in the other sections, but I'm trying to explain the situation, what she has, main question is the insurance. She was self employed on a dairy/cattle ranch all her life, but her income all went in on her mother and later husband's taxes, income was very good many years and a lot of taxes were paid. Dad died almost 20 years ago (Mom had all the assets before the marriage, Dad came in with nothing at all, literally), and she doesn't get much social security, so looking at some options rearranging things. She's been paying out of pocket for private insurance in addition to Medicare and Medicaid, I believe it's around $250 per month.
I bought most of the land over 10 years ago, that income went to existing debt. She kept a small 20 acre patch in her name with the main house, some old outbuildings. About 5 or more years ago her land was changed to a "life use" thing, my name was supposed to be on it, if the lawyer did it right. I am the only child. I planned on moving out some years ago, either fixing up a very, very old house on what I bought or something, I lived in a small trailer on hers for a while, but her health has been preventing me from ...going very far.... She has made it clear she doesn't want to go to assisted living or anything. She is relatively ok much of the time, but has had several mini-strokes, has had issues getting around, back surgery years ago, falls down sometimes and can't get up, and usual age related things, etc. She stopped driving, has no vehicle of her own. She's been having "mind" issues (like forgetting who I am a couple times for a while, etc.), but rarely. I sort out her large amount of medication into those tray things, and I have to set them out each time of the day, she doesn't take them right if I don't, takes the wrong ones at the wrong times. Talking to her she sounds ok 99% of the time, most probably couldn't tell anything. I do the running around (town is 30 miles away, she doctors there and 65 miles away, my vehicle, my time, and my gas), get the mail (1/4 mile away), cook a lot of the time, and just check on her several times a day, etc. I don't get any monetary compensation. With the land payments and everything I have going on with myself and with this, I can't really help out monetarily with her, what she gets doesn't really cover everything she has going on by herself. But where "her" land is, I use it as my own outside. My old equipment and tools are in the buildings, I store hay on it, and have various pens/stuff there. We've discussed the situation with Social Security and some of the offices around when she's had to go in, but haven't really sat down with an overall expert.