Two Families. One Trusted Advisor.

Whether you're planning your own care or helping aging parents, John's 14 years of Idaho Medicaid experience works for your exact situation.

Planning for Yourself or Your Spouse

You've worked hard your entire life. You deserve to know your real options — not guesses — before spending a single dollar you may not have to.


QUESTIONS JOHN HEARS EVERYDAY:


☑ "Do we have to sell the house to pay for a nursing home?"


☑ "How much can my healthy spouse keep if I go into a facility?"


☑ "We don't have much saved — what are our care options?"


☑ "Is it already too late to protect anything?"

Helping Your Parents Get Care Without Losing Their Legacy

Your parents saved their whole lives — often intending to leave something for family. You want to get them great care without watching that legacy disappear unnecessarily.


WHAT ADULT CHILDREN ASK JOHN:


☑ "Can we protect any of Mom's savings before she spends it all on the facility?"


☑ "Dad already transferred money to us — did that disqualify him?"


☑ "Will Medicaid take the family home after Mom passes?"


☑ "How do we get them qualified without costly mistakes first?"

John gives you honest, plain-language answers — so you can make decisions with confidence, not fear

John helps you preserve your parent's legacy — legally — while making sure they receive the quality care they deserve. 

No obligation • Straight answers • John personally calls you back

About John Todd — Former Idaho Medicaid Specialist

He Learned the System from the Inside. Now He Works for Your Family.

John spent 14 years working directly with Idaho Health & Welfare — reviewing Medicaid applications, interpreting complex policy, and watching first-hand as families made costly financial mistakes simply because they didn't understand the rules.


After retiring from the department, he now works exclusively for Idaho families — bringing that insider knowledge to the people who need it most, before permanent decisions are made.


Former Idaho Health & Welfare Medicaid reviewer — he's seen every family scenario from inside the system.


5+ years specializing in Long-Term Care Medicaid planning for Idaho seniors and their families.


Independent consultant — no insurance products, no commissions, no agenda except your families' best outcome.


• Serves all of Idaho through remote consultations.

THE TRUTH ABOUT IDAHO MEDICAID

Most Families Qualify.
They Just Don't Know the Rules.


Small misunderstandings cost Idaho families tens of thousands of dollars every year. Here's what John hears constantly — and what's actually true.

❌ COMMON BELIEF


"We have too many assets. We'll never qualify for Medicaid."



✔ THE REALITY


Idaho Medicai allows married couples to protect substantial assets. Many families with $100,000+ still qualify. Don't assume — call first.


❌ COMMON BELIEF


"We already gave money to our kids. We've ruined any chance."



✔ THE REALITY


Look-back periods have specific rules and real exceptions. Many families who've transferred assets still have options they haven't explored.

❌ COMMON BELIEF


"Medicaid will take the house after my spouse passes."



✔ THE REALITY


Estate recovery rules have significant exceptions for surviving spouses and dependent family memebers. Many families keep the home — with the right plan.

No obligation • Straight answers • John personally calls you back.

Three Ways John Guides Your Family

Whether you're exploring early or already in a care situation, John meets you exactly where you are.

Medical Eligibility Review

John reviews specific financial situation and tells you exactly where you stand — what you qualify for, what you can protect, and what your realistic options are in Idaho.


Asset Protection Guidance

Before spending or moving a single asset, understand what Idaho Medicaid rules allow you to protect. John explains the strategies families commonly use — including what works, what doesn’t, and where people get into trouble.

Application Guidance and Support

Medicaid applications are complex and errors cause expensive delays or denials. John guides your family through every step — with an Insiders of exactly what reviewers look for.

Families Across Idaho Trust John to Get It Right

LW
Linda Wortham

John has been talking about Medicaid planning for Idaho families for years and we finally called him. He made everything so much clearer and helped her family avoid a very cause of mistake we were about to make.

10.18.2020
KK
Kip Klatt

The world of Elder Care is completely foreign — strange language and complicated rules. John is completely honest, speaks in plain terms, and clearly cares about the family he helps.

10.07.2020

Understanding Your Long-Term Care Options

Depending on eligibility, Medicaid may help cover different types of long-term care in Idaho.

In-Home Care

Receive daily support in the comfort and familiarity of your own home — including help with personal care and daily activities. Often they preferred option for families.


MOST PREFERRED

Assisted Living

A residential care setting that provides a system with daily personal needs while maintaining Independence and a sense of community.


INDEPENDENCE MAINTAINED

Skilled Nursing

Around-the-clock professional nursing and medical care for individuals with complex health needs. Medicaid's most comprehensive long-term coverage.


FULL MEDICAL SUPPORT

"Just the Basics" Getting Started in the Long-Term Care Maze


Before making any financial decisions, get oriented. This plain-language guide covers exactly what Idaho families need to understand first — no jargon, no overwhelm.


✔ The 4 long-term care options that what each one means for your family


✔ The ONLY 4 ways families actually pay for long-term care


✔The 3 Medicaid eligibility tests — and how Idaho applies them


✔ Income limits & the Miller Trust explained in plain English


✔ How to identify countable and excluded resources




Call (208) 553-4634 • Guide sent to your email after your intake call.

Available June 2026

COMING SOON

Prefer to Understand the Rules First?

We are developing a step-by-step Medicaid Asset Shield Masterclass for Idaho families who want to fully understand the rules before making major long-term care decisions.


It will explain income limits, asset protection strategies, and how the Medicaid application process works in Idaho — at your own pase, in plain language.


Want to be notified when it launches?


Your email is collected during your intake call — we'll notify you the moment it's ready.



One Free Call Can Save Your Family Tens of Thousands

Before you make any financial decisions about long-term care, it helps to know exactly where you stand. John will give you clear, honest answers. If it makes sense to work together, he will explain how. If not, you will still know your options.

 

Simple process • Talk directly with John • Clear next steps


14 years inside Idaho Medicaid. Now helping families like yours.