My Mom has 2 very small insurance policies that will not completely cover funeral expenses, does not own a home, and the very little in savings is disappearing - due to medical bills. We live in NYC and I have 3 scenarios that I have been wondering/worrying about: (1) If she passes away while still living at home I assume family members are responsible for costs not covered by the amount of insurance. (2) If she goes in a nursing home under medicaid and passes away while living there, what assistance or allowance does medicaid make. (3) If she signs a funeral arrangement/contract, then goes in a nursing home on medicaid, will medicaid continue to allow her to pay off the contract. Appreciate any insight.