Why is it so hard to find a memory care facility that accepts Medicaid?

You are responsible to pay only her own money, if you have POA for her finances. If she is completely out of money she will, sadly, have to go onto medicaid. The reason of course is cost. But you are not responsible for the debts of others unless you sign that you will be responsible for them. You need to make it clear to the facility that her funds are running out and you need to see what the process is. She may need to be hospitalized just to find Social Worker care to help with placement as you can spend months looking for what they can find on their list in no time at all. So sorry. We are all outliving whatever we managed to save and it is hard to imagine where all this goes. Perhaps see an Elder Care Attorney to see what minimal amounts can get protected, how to start applications for medicaid.