Elderly person holding cane with hand

What Is Care Navigation? A Legal and Practical Guide for Ohio Families

Get The Legal Help You Need

Call Us Today (740) 639-5303
Elderly person holding cane with hand

When a loved one starts needing more care, there’s often a lot to sort through. Having to manage medical decisions, legal forms, and family responsibilities can occur all at once. Care navigation is a way to make that easier. It connects the dots between health needs, legal planning, and long-term goals, so families can move forward with clarity.

According to the U.S. Department of Health and Human Services, about 70% of adults over 65 will need some form of long-term care. That means most families will face decisions like this at some point, and having a plan in place makes all the difference.

At Jarvis Law Office, we  work with families across Ohio who want to be prepared when things get urgent. We help clients avoid probate through smart asset planning, offer support with trust funding, and keep financial advisor relationships in place so families stay grounded with professionals they already trust. 

Key Takeaways

  • Care navigation helps families manage medical, legal, and care decisions with a clear plan.
  • It works best when supported by legal tools like powers of attorney and advance directives.
  • Planning ahead can protect your home, savings, and access to Medicaid.
  • Lawyers can combine care planning with legal guidance to help Ohio families stay in control.

What does Care Navigation Mean?

Care navigation, also referred to as care coordination,  is a service that helps older adults and their families figure out the best plan for health, legal, and everyday care needs. It’s like having a guide who understands how to handle medical decisions, important paperwork, and family challenges all at once.

The idea started in hospitals, where nurses helped cancer patients manage treatment. Over time, people realized that seniors and their families also needed help managing finances, legal documents, and care decisions, often involving other professionals such as lawyers for assistance.

Who Should Use Care Navigation?

Care navigation is helpful for:

  • Seniors with memory loss or long-term illnesses
  • Families who don’t live nearby
  • People moving into assisted living or nursing homes
  • Spouses taking care of a sick partner

How Is It Different from Regular Elder Care?

Regular elder care might focus only on health, like doctors, nurses, or home aides. Care navigation looks at the whole picture. It includes:

  • Planning for future care
  • Helping with money or benefits like Medicaid
  • Making sure legal documents are ready
  • Supporting families through hard decisions

How Does Care Navigation Help Ohio Families?

Care navigation helps families understand and manage all the moving parts of caring for an aging loved one. It gives you a plan, so you know what to do, who to call, and what steps to take, especially when things feel confusing or stressful.

And the financial side matters too. Based on data from the Genworth Cost of Care Survey, the average cost of a semi-private nursing home room in Ohio is over $8,300 per month. Without a clear plan in place, those costs can quickly overwhelm savings and create stress for everyone involved.

Who Provides Care Navigation Services?

Care navigators are usually skilled professionals with a background in healthcare or social services. They can guide families through medical options, paperwork, legal concerns, and long-term care planning, all at once.

What Is the Role of a Care Navigator?

A care navigator is like a coach or guide. They look at your family’s full situation, health, legal needs, living arrangements, and finances, and help you make a clear plan. Their job is to make sure nothing falls through the cracks.

They might:

  • Help organize care after a hospital visit
  • Explain options like in-home care or assisted living
  • Make sure legal documents are ready and up to date
  • Walk families through applying for programs like Medicaid

Are Care Navigators Healthcare Professionals or Legal Advisors?

Navigators are often nurses or social workers. They can also work in tandem with elder law firms, where legal professionals understand both care needs and the law. The best care navigators work with other people with niche experience, like doctors, financial planners, and lawyers, to give full support.

What Qualifications Should You Look For?

Look for someone who:

  • Knows Ohio’s healthcare and elder law systems
  • Understands Medicaid, Medicare, and long-term care options
  • Can explain things in simple terms
  • Has a clear process for building a care plan

What Legal Tools Support Effective Care Navigation in Ohio?

Icons and labels for five legal documents in care planning: Durable Power of Attorney, Advance Directives, Living Wills, Healthcare POAs, and DNR Forms

Planning for care is about making sure the right legal documents are in place. Without them, even the best care plan can fall apart during a crisis. That’s why care navigation and legal planning go hand in hand.

Surprisingly, as reported by Health Affairs, only about 37% of U.S. adults have an advance directive, documents that guide medical care if someone can’t speak for themselves. That leaves a majority of families unprepared when urgent decisions need to be made.

What Is a Durable Power of Attorney and Why Does It Matter?

A durable power of attorney (POA) lets someone you trust make important decisions for you if you can’t. This includes choices about money, bills, benefits, or even property.

Without a POA, your family may need to go to court to get permission to help you, which takes time, costs money, and adds stress. A care navigator working with an elder law attorney can help you set this up early, so you’re ready before anything happens.

How Do Advance Directives Fit Into the Process?

Advance directives are documents that spell out what kind of medical care you want if you’re seriously ill or injured. 

These forms help doctors and family members know your wishes. They’re a key part of any care plan and can prevent family disagreements during tough moments. In Ohio, common advance directives include:

  • Living wills
  • Healthcare power of attorney
  • Do Not Resuscitate (DNR) forms

A care navigator will often ask about these early in the planning process, especially if your health is changing or you’re moving into assisted living.

What Happens if a Loved One Lacks Legal Capacity?

If someone already has serious memory loss or confusion (like from dementia), and they haven’t signed legal documents, it’s usually too late to create a power of attorney.

In these cases, the only option may be guardianship, a legal process where a court gives someone the right to make decisions for another person. This process is longer, more expensive, and often emotional.

Care navigation aims to avoid that scenario by helping families plan while their loved one can still make decisions.

What Role Do Medicaid and Long-Term Care Planning Play?

Long-term care, like nursing homes or in-home help, can be extremely expensive. Many families quickly find out that regular health insurance or Medicare doesn’t cover most of it. Medicaid can assist with this process, and it’s a big part of what care navigation helps with.

Ohio’s Medicaid estate recovery program is no small matter. According to the Dayton Daily News, the state collected over $55 million in assets after Medicaid recipients passed away, one of the highest totals in the country. This shows why planning ahead is so important if you want to protect your home and savings.

Is Care Navigation Covered by Ohio Medicaid?

Ohio Medicaid can pay for care navigation services, but it can be dependent on the specificities of your plan.  It is recommended to confirm all your Medicaid parameters and confirm qualification for certain benefits. 

Can You Use Care Navigation to Qualify for Medicaid?

Yes, that’s one of its biggest strengths. Care navigation looks at your full situation and takes into consideration your health, care options, legal documents, and finances. From there, it builds a plan that helps you meet Medicaid rules without rushing or panicking.

Planning ahead is key. Medicaid has a five-year “look-back” period, meaning they check what you did with your money during the last five years. If you gave away assets or made mistakes, it could delay your care.

How Does Care Navigation Help With Estate Planning?

Empty wheelchair next to hospital bed in room.

When someone starts needing care, whether at home, in assisted living, or a nursing home, your estate plan has to work with your care navigation plan. 

How Do Long-Term Care Needs Affect Your Estate Plan?

If you’re spending thousands of dollars a month on care, that affects how much you’ll be able to leave behind. And if Medicaid is involved, there are rules about how your money and property are used, and what can be protected.

A good care navigator will bring in an elder law attorney to look at your estate plan. Together, they’ll help you:

  • Make sure your will and legal documents reflect your current wishes
  • Avoid probate issues that delay or reduce what your family receives
  • Prepare for Medicaid estate recovery (when the state may ask for repayment after you pass away)

The goal is to make sure your care plan doesn’t undo your estate plan, and that both work together.

When Should You Consider Hiring a Care Navigator?

Most families wait until there’s a crisis before asking for help,  but by then, it’s often harder, more expensive, and more stressful. The best time to bring in a care navigator is before things get complicated, so you have a plan ready when you need it.

Signs That You Need Professional Help

If you’re starting to feel overwhelmed, confused, or unsure about what comes next, that’s a good sign that it’s time to talk to someone. Common red flags include:

  • A loved one is diagnosed with memory loss, stroke, or a serious illness
  • You’re not sure who can legally make decisions if something happens
  • You don’t know how you’ll pay for long-term care
  • Family members disagree about what to do next
  • You’ve heard of Medicaid, but don’t understand how it works

These situations usually get harder over time, not easier. A care navigator can step in early to help you avoid last-minute panic.

Get a Plan That Covers What Matters Most

The right time to plan is before things get complicated. Care navigation helps you make smart decisions about health, legal needs, and long-term care without the guesswork. 

At Jarvis Law Office, you’ll get straightforward guidance, a clear plan, and the tools to protect your family and your future. Our team handles the details, so you’re not left piecing it together alone.

If you’re ready to take the next step, schedule your consultation with us. We’ll help you move forward with confidence, one step at a time.

Client Testimonials

David Dinning

October 7, 2024

Very helpful. I would recommend them – I have used them and am very satisfied.

Competent, knowledgeable, friendly lawyers, who are willing to listen to your needs and personalize documents for your situation

Live &Learn

August 22, 2024

Great webinar with important information.

Chelsea Akers

July 19, 2024

Nicole S. and Kirsten A. have been a pleasure to work with.

Danielle W

July 19, 2024

I highly recommend Jarvis Law. They are professional, kind and very helpful.

Victoria Akers

July 19, 2024

This place is really good at what they do!

View More Reviews

Jarvis Law Videos

Who’s Looking out for your Financial Security?

Crisis Planning | Jarvis Law Office

Planning for your family’s long term care | Jarvis Law Office

My family member has Alzheimer’s. What can I do? | Jarvis Law Office

Meet the Firm Jarvis Law Office – 10.25.21

family-6398107_1280-1

Have questions or want to schedule an appointment?

Professional Associations

We strive for 100% customer satisfaction. If we fell short, please tell us more so we can address your concerns.

Thank you! We need your help. Would you share your experience on one of these sites?

Main Contact Us Form
Contact us anytime, 24/7, to book your appointment.
ohio-memory-care-planning-lawyer-banner