Long-term care Medicaid Medicare Your Coverage Options

Four things to think about before moving into a nursing home

Written by Diane Archer

Before moving into a nursing home, it’s important to do your homework and understand your rights and options.

  1. Care: You have the right to receive whatever care you need to reach the highest reasonable level of functioning or so that your condition does not deteriorate.  Medicaid patients have exactly the same rights to these services as everyone else in the nursing home so long as the nursing home accepts Medicaid patients. And all patients and their families have the right to help develop the care plan so that it is tailored to the resident’s needs
  2. Choice: The nursing home must accommodate the resident’s preferences, whether they be to wake up late in the morning, to participate in an activity, to change schedules or to have family visit any time of the day or night.
  3. Costs: Only the resident is required to be financially responsible for his or her care.  The nursing home cannot force a family member to take responsibility.  Medicare should pick up the costs for residents needing daily skilled nursing or therapy care who have been hospitalized for three days in the 30 days prior to admission, so long as the nursing home is Medicare-certified.  If the nursing home says Medicare won’t pay, you still should insist that it submit the bill to Medicare.
  4. Help: Every state has a long-term care ombudsman program to help ensure the nursing home provides you with the benefits and protections to which you are entitled free of charge. There are also websites where you can find nursing home ratings, but read them with caution.

For more information from the National Senior Citizens Law Center, click here.
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  • Medicare only pays for a maximum of 100 days of ninusrg home care, and many ninusrg homes do not accept Medicare, or you have to pay a deductible. Medicaid only provides emergency medical care for the indigent.You have an annuity. You would have to use all of your resources before you could obtain any taxpayer-paid assistance. If you do not cash in and use your annuity and all other resources first, they will take your annuity in full, put a lien on your house if you don’t sell it and use the proceeds, etc. They also claim first dibs on any future income, inheritance, or any actual or potential source of funds as well as claiming your estate if you die.Use your own resources. The taxpayers are broke. States are already stopping payment on their bills because they have no money.

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