My lady has some money in the bank. She has Medicare, not sure on ins. Should I apply for Medicaid to get 24 hour in home care paid?

As Geaton says, there is no government agency that will pay 24/7 care. Any money your lady friend has will need to go for her care before Medicaid will pay anything. From discussions on this forum, your lucky if you get 4 hrs from Medicaid.

Now there was a discussion concerning Medicare and intermittent care. A poster said she got help for her Mom and Aunt.

"To decide whether or not you are eligible for home health care, Medicare defines “intermittent” as skilled nursing care that is needed or given on fewer than seven days each week or less than eight hours each day over a period of 21 days (or less) with some exceptions in special circumstances."

Your County Office of Aging maybe able to help you sort things out.

Medicare is a federal program. Medicaid is a state-run program, therefore you need to research what the rules and requirements are for each state. No one here can advise you without knowing ALL the financial details of your lady. It is highly unlikely that any program in her state exists that will pay for full-time, 24-hr in-home care for someone with medical needs such as hers, but there may be some that each would pay for part of the care.

Medicaid will require she spend down her money until she reaches their financial threshhold (in my state it is $2000 in total assets, not including house and car) but it may be different in her state. You can fill out the application for her but you will need to give all her info that is up-to-date and accurate (like her SSN, birthdate, bank account statements, properties, outstanding medical bills, etc). Then once you submit the app it takes about 3 months to find out if she has qualified. FYI Medicaid has a "look back" period where they can demand records from as long as 5 years in the past (in my state) or 2.5 yrs (like in CA). Each state is different. If Medicaid doesn't like the financial activity it sees during those years, it can impact qualifying.