Are you sure you want to exit? Your progress will be lost.
Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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I acknowledge and authorize
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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
Do you mean Long term care insurance. Since Medicare or any health insurance does not pay for longterm nursing care than you may want to consider a policy.
Medicare and additional PPO insurance (which is usually a type of Medicare Supplemental Insurance that covers the percentage of services or costs that Medicare does not pay) are generally for hospitalizations and for rehabilitation therapy (physical, occupational, &/or speech therapy) in a skilled nursing home. Medicare only pays up to 100 days of Rehabilitation Therapy--but often pays from 30 to 60 days because you either refuse to participate in therapy for at least 3 days or are not progressing (improving) in your ability to perform therapy or activities of daily living-- walking, dressing self, transfers, etc.
THEN if you continue to stay at the nursing home facility, you either have to "private pay" or apply for Medicaid to pay for your stay at the nursing home.
You have to pay privately for your first 3-6+ months in the nursing home (for any costs that Medicare does not cover) while you are trying to meet the LTC insurance deductible requirements. Once Long Term Care Insurance starts to pay for your stay at the nursing home because you have met the number of deductible days of that policy; they only pay $40, $80 or $____ dollars/PER DAY for each day that you stay at a nursing home. You are responsible for paying for any nursing home costs or expenses that the LTC insurance monthly payment(s) does not cover.
Also, LTC insurance PAYS AFTER the current month has been completed AND the nursing home has sent the LTC insurance company a list of charges/expenses for the current month. THUS you have to pay the nursing home for the current month. After the LTC insurance pays you the $40, $80, $___/DAY, you are responsible for paying the nursing home the money that you receive from the LTC insurance (just like you would if you receive Medicaid). If you use the money that you receive from the LTC insurance for something other than your room and board and medications at the nursing home, then you could be charged with defrauding the insurance company. Thus you need to keep accurate records as to how much money you receive from the LTC insurance company and when you pay that money to the nursing home.
If you are going to "private pay" for your stay at the nursing home because you have too much money (and are unable to spend down to the $2,000 Medicaid requirement) or you own some rental property or farm land or property that you do not want to sell in order to qualify for Medicaid; then it might be a good idea to purchase Long Term Care Insurance to help pay a percentage ($40, $80, $_____?Per Day) of your nursing home bill.
I’m not sure, but if you should go into a facility, I don’t believe Medicare or Medigap if that’s what you mean by PPO Insurance, will pay long term. I think Medicare only pays for a certain number of days and then you’d be self-pay. Medicaid pays for long term care, but that’s another story.
Yes, you need long term care insurance even with you having medicare plus additional insurance. Medicare does not pay for long term care. Medicaid does pay for long term care for the poor.
I recommend finding a Medicare knowledgeable insurance broker and having them explain exactly what each insurance covers. Each has it's very own role.
If you have Medicare, a supplemental insurance and buy long term care you will not have over lapping coverage. They are 3 different types of coverage and depending on the circumstances all of them are beneficial to the holder.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
THEN if you continue to stay at the nursing home facility, you either have to "private pay" or apply for Medicaid to pay for your stay at the nursing home.
You have to pay privately for your first 3-6+ months in the nursing home (for any costs that Medicare does not cover) while you are trying to meet the LTC insurance deductible requirements. Once Long Term Care Insurance starts to pay for your stay at the nursing home because you have met the number of deductible days of that policy; they only pay $40, $80 or $____ dollars/PER DAY for each day that you stay at a nursing home. You are responsible for paying for any nursing home costs or expenses that the LTC insurance monthly payment(s) does not cover.
Also, LTC insurance PAYS AFTER the current month has been completed AND the nursing home has sent the LTC insurance company a list of charges/expenses for the current month. THUS you have to pay the nursing home for the current month. After the LTC insurance pays you the $40, $80, $___/DAY, you are responsible for paying the nursing home the money that you receive from the LTC insurance (just like you would if you receive Medicaid). If you use the money that you receive from the LTC insurance for something other than your room and board and medications at the nursing home, then you could be charged with defrauding the insurance company. Thus you need to keep accurate records as to how much money you receive from the LTC insurance company and when you pay that money to the nursing home.
If you are going to "private pay" for your stay at the nursing home because you have too much money (and are unable to spend down to the $2,000 Medicaid requirement) or you own some rental property or farm land or property that you do not want to sell in order to qualify for Medicaid; then it might be a good idea to purchase Long Term Care Insurance to help pay a percentage ($40, $80, $_____?Per Day) of your nursing home bill.
If you have Medicare, a supplemental insurance and buy long term care you will not have over lapping coverage. They are 3 different types of coverage and depending on the circumstances all of them are beneficial to the holder.
Let me know what you find out.