What did you do to prepare for inevitable MC placement?

I think you might want to visit a lawyer before you even start looking at facilities. In some states Medicaid will not cover mc but only a nursing home. In some states mc may be covered after a certain amount of time doing private pay. I was told the Al I chose for mom accepted medicaid only to find that family was expected to pay out of pocket for the portion of the bill that was not covered (this was pretty substantial). I found 100% Medicaid covered Al facilities where horrible and found a nursing home that was much nicer and cleaner. You might call a few facilities just to get a rough feel for cost, so you can crunch some numbers. How long could you afford mc out of pocket? Is it worth it if he would eventually need to be moved to a snf? How will Medicaid affect you? I will attach a Medicaid link. If you look through the link it will hopefully give you enough information to ask appropriate questions of a lawyer and not feel totally lost as they discuss the process of Medicaid qualifications and what is covered.

https://www.medicaidplanningassistance.org/medicaid-eligibility-income-chart/

I’m in the same situation as you. I can’t afford to put my DW into MC so my plan is to keep her at out home as long as I can. She is now just entering stage 6. So far it’s been manageable. I do have some caregivers come to the house a couple of hours twice a week to give me a break. My DW has two sisters that help as much as they can but both work and have families. My DW is on Medi-Cal here in California. I’m hoping to keep her home until she gets into stage 7 and then if needed to find a SNF that accepts medi-cal. We do have some savings but I’ve got to think about stage 8 and my ability to afford it.