I can relate to what you’re going through. When my dad needed daily help after surgery, I thought his Medicare would handle more than it actually did, but it turned out we had to look into other routes. One thing that helped was digging into state-specific Medicaid waivers, which can be surprisingly flexible depending on where you live. Veterans benefits are another big one if your mom has any military connection. We also talked to a financial advisor about whether long-term care insurance could help, but unfortunately my dad didn’t have a policy in place before his health declined. What I learned the hard way is that you have to look at all possible sources: government aid, personal savings, sometimes even pooling funds with family members. I found this article helpful because it lays out the bigger picture, including less obvious options like using home equity or combining resources: I was confused about this too, found a good comparison here

Maybe it can give you some ideas you hadn’t considered.