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Old 09-09-2014, 08:59 AM
 
Location: East of Seattle since 1992, originally from SF Bay Area
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We went through this with a relative, and the state (Medicaid) paid everything above her social security check less $50/month she was allowed to keep for incidentals. Many homes will not accept medicaid patients, and those that do limit the number of them so it's harder to get them in. In our case the adult family home charges $3,400/month, and with 6 residents only allows one Medicaid at a time, since they have to accept the sum of the state contribution plus the SS at only $2,800. We had to pay the first few months while trying to get her in, and medicaid will not be available until all other assets and savings have been exhausted. She was only allowed to keep a small $1,000 savings account toward her burial
and less than $500 in checking.
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Old 09-11-2014, 12:10 PM
 
38,239 posts, read 14,941,272 times
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Quote:
Originally Posted by Hemlock140 View Post
We went through this with a relative, and the state (Medicaid) paid everything above her social security check less $50/month she was allowed to keep for incidentals. Many homes will not accept medicaid patients, and those that do limit the number of them so it's harder to get them in. In our case the adult family home charges $3,400/month, and with 6 residents only allows one Medicaid at a time, since they have to accept the sum of the state contribution plus the SS at only $2,800. We had to pay the first few months while trying to get her in, and medicaid will not be available until all other assets and savings have been exhausted. She was only allowed to keep a small $1,000 savings account toward her burial
and less than $500 in checking.
Sounds about right, depending on the state.
.
Many places reserve those Medicaid spots for residents who run out of money.
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Old 09-12-2014, 06:17 AM
 
Location: Loudon, TN
5,790 posts, read 4,843,885 times
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We tried to get my mom (medicare/medicaid, 100% disabled) into a nursing home as she was trying to transition from acute care to home (?). We weren't sure if that could even ever happen. We tried every nursing home around and finally the last one in town, and the nastiest, was the only one that would accept her as medicaid payments were too low for the NH to accept for her level of care. They told us that straight out, that her care was too much work for the Medicaid reimbursement. They just flat refused to take her anywhere but the nasty place. I visited every day and had to constantly check the work that was done for her, as the CNA's did not follow the DR's orders and frequently unplugged her electric air mattress and then did not replug it, leaving her lying on a hard steel spring with bedsores! I had a dard time finding a nurse that spoke English well enough to understand the instructions written by the Dr.
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Old 09-12-2014, 07:24 AM
 
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where you end up is going to be state specific. here in ny medicaid uses a lot of private homes and some are really nice.

the advantage to having long term care insurance is you get to pick where you go. once the insurance runs out and you are on medicaid they usually just let you stay where you are.
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Old 09-12-2014, 03:38 PM
 
Location: Florida
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Quote:
Originally Posted by lynxville View Post
Medicare does pay for some nursing home care, hospice care, and hospital care. If the person is deemed to recover they pay. If the person needs pain control, they pay. Hospice care is usually 20 days. See the social worker at hospital and they will help you. But if they have minimal assets they can go on Medicaid.
This is not correct. One can possibly be on Hospice for a very long time.
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Old 09-15-2014, 05:01 AM
 
199 posts, read 452,949 times
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Quote:
Originally Posted by old_cold View Post
This is not correct. One can possibly be on Hospice for a very long time.
Just went through this and I was told that if they can improve they can stay. But if there is no chance of improving you have to pay. But managing pain with terminal illness they can stay. This was my understanding with two hospitals, one nursing home and one hospice center. This is a very complicated issue and each person better understand who's paying, or it may be you.
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Old 09-15-2014, 05:14 AM
 
Location: rain city
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It should be noted that if an elderly person goes into long term care which Medicare will not pay for, the person will be forced onto Medicaid.

When that happens the state will asset strip the individual for everything they've got. Banking records will be required, social security payments will be seized to pay for the care, any property title will have to be signed over to the state as well car titles and any other assets held in the persons name.

Government will seize absolutely everything. Failing to comply with their asset forfeiture requirements may result in denial of care and payment.

For realz. Wake up America, they're here to steal everything you've got in the last years of life, unless you tie it up into legal knots well in advance so they can't get to it.
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Old 09-15-2014, 05:42 AM
 
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what happens is very state specific, what you say is not true in some states.
there is the right of spousal refusal and what happens next depends on your states view and policy.

Last edited by mathjak107; 09-15-2014 at 05:56 AM..
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Old 09-15-2014, 06:01 AM
 
Location: rain city
2,958 posts, read 11,358,915 times
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Quote:
Originally Posted by mathjak107 View Post
what happens is very state specific, what you say is not true in some states.
there is the right of spousal refusal and what happens next depends on your states view and policy.

Mr. mathjack, would you like to name the states which don't enforce asset forfeiture for long term care on Medicaid?

I don't know of any.
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Old 09-15-2014, 06:42 AM
 
71,700 posts, read 71,801,099 times
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NY ,FLORIDA AND CT...... there may be others on a case by case. basically the states are negotiating out payments with Medicaid that are acceptable to both sides if the party uses their right of spousal refusal..

a ruling in CT in court had the verdict that the judge said he will not impovish the people of his state because we have a bad system
he ordered Medicaid and the party being sued to reach a settlement that does not change the lifestyle of the stay at home spouse.

ny ,florida and ct have now adopted this policy.

our estate attorney said he no longer has even 1 case on the agenda for a lawsuit from Medicaid. every case is negotiated out of court.
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