My 93-year old father is in hospice at home in Oklahoma. He fell recently and the hospice doctor and nurse confined him to bed. He now requires 24/7 care. We´ve hired a retired CNA who was looking for some work as a private caregiver. She´s not with an agency. At this rate, his money runs out in 3 months if he stays in his rented apartment. If he were to move to a nursing facility, his money would last 3 times longer. It´s inevitable, should he linger longer than 4-8 weeks more, that we should think of putting him in a nursing facility so his money lasts 3 times longer. My question..for him to qualify for Medicaid after his money is gone, will the fact that we are currently paying a retired CNA instead of someone from an agency work against us? He will at some point need to go on Medicaid. And I´m concerned that Medicaid may not consider paying her as acceptable caregiving as we ¨spend-down¨ his assets so that Medicaid can kick in. In other words, would we be better off in the long-run to hire in-home care from an agency instead of paying a retired CNA privately? Are canceled checks considered enough proof?