Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 02-23-2019, 04:00 AM   #41
Recycles dryer sheets
Col. Klink's Avatar
 
Join Date: Jul 2011
Location: Citrus Hills
Posts: 235
Quote:
Originally Posted by tps7742 View Post
Luckily the administrator at the facility my mom lives directed me to this lawyer. From what I have seen all residents get the same treatment private pay or not.
Federal law requires equal treatment and amenities for residents of a Medicare / Medicaid enrolled nursing home regardless of payer source.
__________________
DISS-MISSED! work in Dec. 2018
Col. Klink is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 02-23-2019, 09:37 AM   #42
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Teacher Terry's Avatar
 
Join Date: Jun 2014
Posts: 5,309
The nursing home handled most of the Medicaid paperwork and I just submitted bank statement so really easy.
Teacher Terry is offline   Reply With Quote
Old 03-01-2019, 06:08 PM   #43
Recycles dryer sheets
 
Join Date: Jun 2018
Location: Alameda
Posts: 174
Quote:
Originally Posted by Lakewood90712 View Post
IIRC MEDICARE will pay for a very limited time, like less than 30 days.

Medicaid, for the long term indigent. As others have posted, very limited assets, usually a 2 year look back on assets, and claw of anything upon death , including home equity.
Medicaid changed to a five year look back on assets or asset transfers, quite a while back.

To the OP: Your best bet to find out what Medicaid pays is to talk to a local facility manager. Rates vary according to states because Medicaid is a 50-50 program: 50% Federal funds matched by 50% state funds.
zippy2020 is offline   Reply With Quote
Old 03-01-2019, 06:28 PM   #44
Recycles dryer sheets
 
Join Date: Jun 2018
Location: Alameda
Posts: 174
Quote:
Originally Posted by ivinsfan View Post
This is true my MIL had dementia , she had money to pre pay for around 2-3 years but we had to select our second choice because our first choick told us very clearly that they didn't accept Medicaid. It was a difficult choice for the family because it was her third placement and everytime we switched her placement she declined significantly.
This is something that many people new to caregiving may not be aware of.

Change is very, very hard for people with dementia. Think of dementia as a "narrowing" of the visual world they see. As dementia progresses, more and more of those visual details begin to "lack sense".

Let's say there's a lamp on a table, between a sofa and chair. The sofa has a throw over it, as well as a few different decorative pillows. The chair has a seatpad on it, and somebody's sweater hanging on the back. There's tchotchkes on the table - a couple of photos, a few magazines, somebody's coffee cup.

Dementia turns this visual into a confusing, chaotic mess.

The clutter of so many details overwhelms the dementia-afflicted. Multiply that one visual by different angles/perspective - every time the person turns around, there are more shapes and colors and details crowding in!

Individual elements get "lost". Even something familiar may not be remembered, because there are too many things around it, and the dementia prevents being able to visually separate items into familiar/unfamiliar.

It all becomes strange and confusing.....which creates anxiety. The mind freezes up further under stress, and the anxiety continues to build.

The world becomes an unfamiliar, vaguely threatening, visual kaleidoscope every time the surroundings visually change. So routine is very comforting to dementia patients, greatly lessening stress.

Sorry to have gone OT, but the lesson we learned is, when you are caring for someone with dementia, you have to very carefully approach change with them. They don't take it well, so if you can avoid it, best to do so.
zippy2020 is offline   Reply With Quote
Old 03-01-2019, 07:41 PM   #45
Recycles dryer sheets
 
Join Date: Oct 2013
Posts: 426
Quote:
Originally Posted by KM View Post
I think youíll find most nursing homes donít work this way. They either take Medicaid or they donít. I donít think you can ďsubsidizeĒ Medicaid to get a ďbetter placeĒ? Maybe....but I donít think so.

1) if a nursing home accepts Medicaid, once your in-laws assets have been drawn down to Medicaid levels (check your state laws for that level), Medicaid picks up the tab. What that amount is, is an agreement between the nursing home and Medicaid. You donít ďchip in moreĒ to get a better room or better care at that facility.

2) if they donít accept Medicaid, they donít. Period. They donít and wonít bill Medicaid. You pay the full amount and if you run out of assets you must move to a facility that does accept Medicaid.
This is how it works in my community, so I assume that it is the same for the entire state. We toured and filled out financial data for two different places and I had this conversation with their sales and marketing people. One place kept referring to a "fund" that they had to cover the gaps when a resident ran out of money, but when I kept asking for details, I learned that the fund was only enough to cover small gaps, like $500 a month. It smelled very much like they just wanted us to move our parents into their facility and then hope that they died before their money ran out. Very shady. The other place was a run by the Lutherans, and their marketing person was much more straightforward with me. It was 100% private pay (second best place in our community) and when my parent's money ran out, they would be moving out. Period.

It is my understanding that, in our state, if a facility takes Medicaid, like for when a resident's money runs out, then they are obligated to accept Medicaid only patients too. That is why most of the facilities near us are 100% private pay. There is no middle ground.
NoiseBoy is offline   Reply With Quote
Old 03-01-2019, 09:20 PM   #46
Dryer sheet wannabe
 
Join Date: May 2016
Posts: 19
Our experience with my MIL was similar- she was a widow and went she entered a nursing home, she had enough assets to cover about 18 months of care ( at 8,000 or so a month). She went into a very good church run nursing home and stayed there for six more years! She had SS and a small pension and Medicaid paid the rest. My husband and his siblings did pay extra - maybe $200 a month to have her in a private room. We still give regularly to the facility- I know the Medicaid reimbursements do not cover the full cost and we are so grateful for the care she received.
marion10 is offline   Reply With Quote
Old 03-02-2019, 08:44 AM   #47
Thinks s/he gets paid by the post
Dash man's Avatar
 
Join Date: Mar 2013
Location: Limerick
Posts: 3,289
We put my MIL into a nursing home last year from an assisted living place. My FIL lives with us. The nursing home has a limited number of beds for Medicaid, but patients are treated the same. She is much happier than she was in the assisted living facility. Medicaid takes her social security and she gets an allowance. FIL takes her to get her hair and nails done. They keep her busy and frequently have singalong hours or other entertainment. FIL washes her clothes to avoid that additional fee, which we offered to cover. Heís there every day, so it gives him something to do.
The paperwork to start Medicaid was horrendous, but once done itís been great. FIL could not have done it himself. DW did all the work, but the people in the home were great in helping. The county was helpful too.
Dash man is offline   Reply With Quote
Old 03-03-2019, 04:10 PM   #48
Thinks s/he gets paid by the post
 
Join Date: Jun 2017
Location: Western NC
Posts: 2,619
15+ years ago we were paying $120/day vs. Medicaid rate of $90/day at the same nursing home here locally.
ncbill is offline   Reply With Quote
Old 03-03-2019, 07:10 PM   #49
Dryer sheet aficionado
 
Join Date: Jan 2018
Posts: 31
Medicaid laws vary by state. One important consideration is how much of a spouseís savings must be spent before Medicaid will cover nursing home care. As I understand it, in many states almost 50% of combined IRA totals must be spent first, regardless of who owns the IRA. Furthermore, the maximum IRA allowed the spouse not receiving nursing care is as little as $126K.

https://www.elderlawanswers.com/medi...y-spouse-12019
North Texas Cajun is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
You might want to rethink your plans to use Medicaid to pay for the nursing home. Another Reader Health and Early Retirement 17 05-12-2018 05:03 AM
Medicaid nursing homes and payment bmcgonig Health and Early Retirement 17 04-07-2017 12:46 AM
Reasonably good article:Medicaid and Nursing Homes bizlady FIRE and Money 0 10-30-2014 07:10 AM
non-profit nursing homes provide better care simple girl Health and Early Retirement 6 10-31-2008 12:01 PM
National List of Poor-Performing Nursing Homes simple girl Health and Early Retirement 1 12-01-2007 05:56 PM

» Quick Links

 
All times are GMT -6. The time now is 05:53 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.