In Pa you can have 60,000 in the bank and go into a Medicaid nursing home. Above that you pay. Also, they check back 5 years and any gifts you made to kids or others counts towards the total, so you cant give your kids lots of money and then apply.

There is a monthly amount your parents can have spent the last 5 years and thats ok. So one thing you can do, if they live with you and dont cost much, take the full amount every month in their name and save the extra off the books, like cash. It cant be going from their bank account to yours.