Serving Palm Beach and the Treasure Coast

Senior Care Resources helps families in Palm Beach, Martin, St. Lucie, Indian River and Okeechobee counties qualify for and obtain Florida long-term care Medicaid. More complex estates than most of the state, and a persistent myth that a revocable trust already protects assets from Medicaid. We work with Palm Beach and the Treasure Coast families by phone, video, and secure document upload — see what we do for our founding and fee.

Where we serve in Palm Beach and the treasure coast

Counties: Palm Beach, Martin, St. Lucie, Indian River and Okeechobee.

Communities include: West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Palm Beach Gardens, Wellington, Stuart, Port St. Lucie, Fort Pierce, Vero Beach, Sebastian.

What is different about Palm Beach and the treasure coast

Palm Beach County families are more likely than most to have the kind of estate, a valuable homestead, brokerage accounts, an annuity or two, a trust drafted years ago up north, where the difference between a plain application and a planned one is measured in hundreds of thousands of dollars. Revocable trusts do not protect assets from Medicaid and are a frequent surprise.

More about Palm Beach and the treasure coast

This region spans a real range of family financial circumstances. Palm Beach County's per-capita income runs well above Okeechobee County's — nearly double, per Census figures — reflecting the county's mix of high-value coastal real estate and complex estates alongside more modest households. More than a quarter of Palm Beach County residents are 65 or older, above the statewide rate, meaning long-term care planning touches an outsized share of local families.

A recurring misconception here: a revocable living trust does not, by itself, protect assets from Medicaid nursing-home spend-down. Because the person who set it up can revoke it and reclaim the assets at any time, Medicaid treats those assets as fully available. Families sometimes learn this only when applying, after assuming an existing trust already handled asset protection. An irrevocable Medicaid asset protection trust is a separate, valid tool, but it has to be set up correctly and, generally, well ahead of when care is needed.

The region also spans a real urban-rural divide: coastal Palm Beach County is far denser than inland Okeechobee County, which affects how close the nearest facilities and in-home care options are for Okeechobee families.

Local agencies a family here will deal with

Area Agency on Aging of Palm Beach/Treasure Coast : the Aging and Disability Resource Center for Palm Beach and the Treasure Coast — 701 Northpoint Parkway, Suite 115, West Palm Beach, FL 33407, (561) 684-5885 (or the toll-free helpline, 1-866-684-5885), www.aaapbtc.org . It screens applicants for the assisted living and home care wait list.
Department of Elder Affairs, CARES program : makes the medical level-of-care determination. The CARES program — the Department of Elder Affairs' medical-necessity assessment for long-term care Medicaid — is administered separately from the Area Agency on Aging, through its own regional field office. Call the agency below or the Department of Elder Affairs at 850-414-2000 to be connected to the CARES office serving this region.
Florida Department of Children and Families (DCF) (ACCESS Florida, 1-866-762-2237): takes the financial application. We handle the filing and stay on the case with all three agencies through approval.

The 2026 Florida figures

The income cap is $2,982 a month, the countable asset limit is $2,000 for a single applicant, and a spouse at home keeps up to $162,660 in assets. These figures are the same everywhere in Florida, including in West Palm Beach — see the full Florida Medicaid limits guide for the rest of them and how each one works.

How we work with families here

A free screening tells us the applicant's income, assets, and care setting, and we give you a written summary before anything is filed: where the applicant stands against Florida's limits, what the application will require, and which questions need an attorney. From there we gather the documents, file with DCF, coordinate the CARES assessment, and stay on the case until there is a decision. See how the process works and what to expect from the application for the full walkthrough.

Frequently asked questions

My parent has a revocable living trust. Does that protect their assets from Medicaid spend-down?

No. Because the person who created it can revoke it and take the assets back at any time, Medicaid counts trust assets as fully available. An irrevocable Medicaid asset protection trust is a different, valid planning tool, but it has to be set up correctly and generally well before care is needed. Don't assume an existing revocable trust already handles this.

Which office handles Medicaid applications for Palm Beach county families?

There isn't a county-specific intake office. Applications go through the centralized MyACCESS Florida portal or by phone and mail through DCF, with in-person help available at Family Resource Centers. We help families throughout Palm Beach, Martin, St. Lucie, Indian River, and Okeechobee counties navigate this the same way.

Do you work with families in stuart, vero beach, or okeechobee, or only Palm Beach county?

All five counties in this region — Palm Beach, Martin, St. Lucie, Indian River, and Okeechobee. The same DCF and CARES process applies whether the case is a nursing home placement in West Palm Beach or in-home care options in more rural Okeechobee.

How long is the wait for waiver or home and community-based services here?

We haven't found a current, published wait-list figure for this region, and won't estimate one. Contact the Area Agency on Aging of Palm Beach/Treasure Coast at (561) 684-5885, or contact us, for current status.

Does the homestead exemption on my parent's home affect their Medicaid eligibility?

The homestead property-tax exemption, filed with the county property appraiser, is a separate system from Medicaid's own homestead asset rules, even though both hinge on the property being the primary residence. Confirm exemption status with the Palm Beach, Martin, or St. Lucie County Property Appraiser, and talk through the Medicaid side with us separately.

Florida guides

Neighboring regions

Free Medicaid assessment

Find out where your family stands in Palm Beach and the treasure coast

We'll email you a short two-page intake form about your family member's care, income, and savings. Once you send it back, a member of our staff reviews it personally and calls you to talk through where things stand and what comes next. Families anywhere in Florida. No cost, no obligation.

Call (239) 977-5175

This page is general information about Florida Medicaid, not legal advice, and nothing here creates an attorney-client relationship. Medicaid rules change and every family’s facts are different.

Senior Care Resources is a separate company from Zacharia Frey PLLC. Its Medicaid application services are not legal services, and no attorney-client protection applies to them. When an attorney becomes involved, that is a separate legal representation with the law firm.