Your Funeral Fiduciary™
Expert guidance and education to empower you to make the best decison for you and your family.
Serving Wisconsin and Minnesota
Medicaid Strategy for Minnesota and Wisconsin
At Midwest Preplanning, we help individuals and families understand Medicaid-compliant strategies in Minnesota and Wisconsin that can protect resources, reduce stress, and create a clear plan for the future. Our approach is education-first and independent—so you can make informed decisions with confidence, without pressure or uncertainty.
Did You Know Burial Policies Can Be Part of a Spend Down Strategy?
In many cases, properly structured burial policies are considered exempt assets under Medicaid guidelines. That means funds set aside for your funeral, burial, and related services may not count against you when applying for Medicaid — but it must be done carefully and within certain limits.
These policies can often include:
Funeral home services
Casket, urn, vault
Cemetery fees
Luncheon costs
Headstone or monument
Travel for family members and more
Medicaid guidelines and allowable expenses can vary by state. Midwest Preplanning works with families in both Minnesota and Wisconsin helping ensure burial policies and funeral planning are structured appropriately within state-specific rules and limits.
Burial Policies for Immediate Family Members
In some cases, individuals may also use exempt burial policies to fund arrangements for immediate family members — such as a spouse, child, or parent.
This strategy may help reduce countable assets while taking care of your loved ones' future needs.
Each situation is unique, and there are important rules and limits. Elise can walk you through what’s possible and help ensure everything is done correctly and ethically.
A Few Important Notes: This is not legal advice. Medicaid rules vary by state and situation. We always recommend speaking with your elder law attorney. We work alongside attorneys to ensure any burial policy is compliant and appropriately structured. Limits and eligibility depend on your state — we can help you understand what’s possible.
If you're helping a loved one prepare for Medicaid, or you're concerned about protecting assets through end-of-life planning, reach out for a confidential, no-pressure conversation.
We will guide you through what’s allowed, what to ask your attorney, and how a burial policy may fit into your overall spend down strategy. We’re here to help you protect what matters — with clarity and care. We help families all across Minnesota and Wisconsin everyday navigate this task.
Planning Ahead Can Protect What Matters Most
Your Funeral Fiduciary™
Expert guidance and education to empower you to make the best decison for you and your family.
Serving Minnesota and Wisconsin Families