If you are considering placing a loved one in a nursing home, you probably have a lot of questions. You may be struggling with self-doubt or anxiety, and are likely concerned about how the transition will affect not only your loved one, but also your entire family. And, naturally, you are worried about the cost.

In Pennsylvania, the average monthly cost of long-term nursing home care can stretch as high as $12,000 a month, which is a hefty price for even the most financially secure families. Fortunately, Medicaid or Medical Assistance will pay most of the costs for those who qualify,...