Lethe200
Senior Member
- Location
- San Francisco Bay Area
>>Medicare did pay for my friend's mom's very nice SNH for 3 months. She lives in another state and is thankfully back home now. She sure got "value received". >>
Yes, but again, this has nothing to do with Medicaid and the spend-down of assets.
What many people don't realize is that seniorcare facilities make their own individual decisions as to whether to subsidize residents who have 'run out of money' and must go on Medicaid.
We have found that for-profit facilities - which are the majority in the U.S. and are busy buying up non-profits whenever they can find one willing to sell - are generally not willing to subsidize Medicaid patients. If you run out of money.....you leave.
The ONLY reason they will let you stay is because by state law they can't "dump" you on the street, IF there are no Medicaid beds available within a reasonable radius (which can be over 50+ miles, depending on area density). But once a bed is available - out you go.
This happened to one of those "friend of a friend". He was single and had a fair amount of savings in his 50's. But he became permanently disabled in an auto accident. His savings paid for a very good SNH.....for a while. When the money ran out, he was eventually transferred to a facility that accepted Medicaid.
We're familiar with this facility, in fact - it's less than a mile from our home. With Medicaid, you don't get a choice. Once you're in, you're there until you walk out or get carried out. It's not the worst facility in the world, but it's definitely depressing compared to the quality of the better facilities. It's crowded, the air always smells stale, the staff is there only to "do their job" and no more.
The friend is mentally alert but physically unable to live without full-time help. He's in a room with 3 other "residents". It's a rotten situation to be in. He hates it, but there's nothing he can do since there's no $$$$ to pay for something better.
We are thankful we're able to pay for the LTCi which will avoid being stuck in such an unpleasant situation.
Yes, but again, this has nothing to do with Medicaid and the spend-down of assets.
What many people don't realize is that seniorcare facilities make their own individual decisions as to whether to subsidize residents who have 'run out of money' and must go on Medicaid.
We have found that for-profit facilities - which are the majority in the U.S. and are busy buying up non-profits whenever they can find one willing to sell - are generally not willing to subsidize Medicaid patients. If you run out of money.....you leave.
The ONLY reason they will let you stay is because by state law they can't "dump" you on the street, IF there are no Medicaid beds available within a reasonable radius (which can be over 50+ miles, depending on area density). But once a bed is available - out you go.
This happened to one of those "friend of a friend". He was single and had a fair amount of savings in his 50's. But he became permanently disabled in an auto accident. His savings paid for a very good SNH.....for a while. When the money ran out, he was eventually transferred to a facility that accepted Medicaid.
We're familiar with this facility, in fact - it's less than a mile from our home. With Medicaid, you don't get a choice. Once you're in, you're there until you walk out or get carried out. It's not the worst facility in the world, but it's definitely depressing compared to the quality of the better facilities. It's crowded, the air always smells stale, the staff is there only to "do their job" and no more.
The friend is mentally alert but physically unable to live without full-time help. He's in a room with 3 other "residents". It's a rotten situation to be in. He hates it, but there's nothing he can do since there's no $$$$ to pay for something better.
We are thankful we're able to pay for the LTCi which will avoid being stuck in such an unpleasant situation.