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Darn it all, I wrote and then forgot to hit the second post after editing. I wish the edit was immediately after one and only one post.I used the wrong verbage for my comments. My mom has been in rehab twice now, and it was covered by Medicare. If she ever needs 24/7 care that can't be handled at home, her finances will require that she go into a nursing home under Medicaid. I understand that all or most nursing homes are privately owned facilities. However, there are some facilities that offer a progressive care, independent living to dependent living. Some people carry insurance to cover most costs for their lifetime and they can keep their assets as long as they can still think clearly. Some people, like my mom, will eventually have to go into a nursing home that accepts Medicaid patients. She has planned her finances, so she can literally die at home. This may or may not happen, depending on her longevity. I plan to deplete her assets with home health care with her private funds. If she insists she die at home, hopefully her assets will have dwindled to the $2000 max required for Medicaid to cover her. Medicaid offers many home health options. I wasn't aware of the 5 year rule until her last rehab, as we thought we had taken care of everything with the past 3 year rule for Medicaid requirements. Sorry for my confusing gibberish. I was just giving JR a rabbit to chase. I also learned that private care insurance is best bought before 60 for lower rates. Thinking ahead for hub and me.
Coolgranny, I don't understand what you mean by a "state home" vs a "private facility". I am not aware of any "state" nursing homes. Most nursing homes have a certain # of designated mcr/mcd beds & private pay beds. Also nursing homes are required to have an RN on duty for so many hours 7 days a week & most only have 1, which is the DON & then they have a weekend supervisor for RN coverage on weekends. There are a few exceptions that have 2 RNs on duty, but that is more rare as it is more expensive. LVN to patient ratio is more important as they are the direct care provider. A great place to compare facilities is DADS website. You can compare facilities in your area & see results of their latest state surveys. Also when visiting in person, ask to see their survey book to see the past few surveys. When looking into placing a loved one in a nursing home, talk with the social worker or admissions coordinator to find out requirements for mcd eligibility. There is some plan, can't think of the name, where they can keep their home, 1 car & have so much in the bank & still be eligible. Find out how much can be given away at a time if necessary to qualify. The best way to be in a nursing home is duelly eligible for both mcr & mcd. That way if your MCR D plan does not cover something, MCD picks it up.
I know I have been known to blast people on MCD, but not the elderly. They have worked their whole life & deserve to live out their lives in peace & without financial worry.
Ok, JROrtega, here is your assignment if you choose to accept it. Interview the admissions people in charge of eligibility into nursing homes. Check out the smaller and larger facilities in your areal. Find out and list the financial requirements to be accepted into state homes vs. the private facilites. The 5 year rule is very, very important. It used to be 3. I visited with a couple of people who had actually been my doctors at one point in time, who were in state facilities. Why, because the cost was efficient for them, they paid their taxes, and they could then leave some of their children some sort of inheritance. I prefer to give while active, but that is just me. The funds will be depleted when the time comes anyway. Compare RN numbers to patient numbers. I happen to know of a state home that only had one RN for 250 patients. Not in Victoria.
As our parents age, we need to make the best care arrangements for them. Include the medicaid home care lists available to many who can wade through the paperwork. I haven't done this yet, but it will be doing so soon. My mother wants to stay in her home. Do I give up my life to care for her! I think not, but I will arrange the very best possible care for her. Joe Q Public needs an overview of what is involved and a list of the various agencies that provide help. 24 hour help is available to parents who simply want to die at home. Me, I'll be in a private facility, that my insurance will partially pay. If my kids don't come to visit, I'll be at a bridge table or on a bus to LaBerge.
Oh, and you may have covered this already, and if you have, just ignore. I think it is a timely topic, and the rules do change, and could be updated occasionally.