05/01/2026
Medicaid Spend Down… one of the most misunderstood topics I talk about.
If someone may need long-term care, there are strict limits on assets.
The good news?
Funeral home and burial arrangements are one of the few things that can be set aside properly, even for a simple cremation.
✔️ In Oregon, those funds must be placed into an irrevocable plan
✔️ That means the money is protected and designated for funeral home & burial expenses
✔️ And it can help families meet Medicaid eligibility requirements
What I see too often… families wait until the last minute and feel rushed trying to figure this out.
This can be handled ahead of time, simply and respectfully, without pressure.
It’s not about spending money…
It’s about protecting it for its intended purpose and giving your loved ones clarity.
If you’ve heard the term “Medicaid spend down” but aren’t quite sure what it means, you’re not alone.
I’m always happy to walk you through how it works here in Oregon and what your options are for funeral home & burial services.
💚Gina!
Smith Lund Mills Funeral Chapel & Crematorium
Sunset Hills Funeral Home, Crematorium and Cemetery
Spin Eugene
📍 Lane County | Eugene • Springfield • Cottage Grove