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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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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:
Assisted living facilities may accept Medicaid. Independent living is not covered by insurance, as far as I know. Nursing homes often accept Medicaid Nursing homes that are used as transitional care units/rehab facilities are covered by Medicare for short periods of time Hospice care is covered by Medicare
So, if my 82 yo father dies, my 78 yo mother could go into a home for Alzheimers, and the govt would cover it? She has supplemental insurance ( Blue Cross/Blue Shield) It sounds like it would not cover someone to come into her home and stay 24/7. Right?
Medicare is a typical insurance policy. You pay for it and it has a book of rules and explanations about what is covered, for how long, what the deductible is, if any, etc. If you have supplemental insurance it typically covered only the items Medicare covers and it may cover the deductible amounts. It has its own rules. Hospice is covered, and short-term rehab stays in transitional care units (which can be in hospitals, assisted living facilities, or nursing homes.)
Medicaid is not a traditional insurance policy. It is a needs-based federal program administered by the states. Once you qualify financially and medically, you are expected to pay your own way to the extent that you can. All of your income (less a small personal allowance) must go toward your care. So if you are in a long term care facility that costs $6,000 a month and you have a pension and SS checks totaling $1,000 a month, $940 goes to the facility and Medicaid picks up the rest.
(Actually, Medicaid doesn't "pick up the rest" -- it pays the facility according to Medicaid rates, which are much lower than the facility's stated rates. This is why some facilities opt to not accept Medicaid. But as far as the resident is concerned, their entire income, less a small allowance, goes to the home.)
If you are using the Medicaid program for support in your own home, the financial rules are a little different, because money is not going to a facility and you need money for your rent or room and board, etc. A needs assessment is done to determine what services are needed and can be paid for under the program. This would not be 24/7 in-home care, because at that point going to a facility would be more cost-effective for Medicaid. For example, my mother is eligible for 10 hours a week of a health aide. My husband got 32 hours a week. Other services, such as housecleaning, laundry, changing bed linens, etc. may also be deemed needed services and paid by Medicaid.
Whew! You can see that this is not a quick-answer, one-size-fits-all topic. I hope this gives enough basic information to help you anticipate what will be available to your loved ones.
Do families ever face situations where they have to pay out-of-pocket? The biggest concern is when/where are the out of pocket expenses when it comes to these different types of care.
If they are in NH Medicaid program, in theory, there should be no costs involved. But Medicaid doesn't pay for personal items - like clothing, hairdresser, barber, reading materials, non standard linens, etc. So there will be those costs. Each state has a set amount that each resident keeps for their "personal needs allowance" that pays for that. Each state sets it's rate as each state manages their state Medicaid program. The allowance runs from $ 35 - 90 a month. My mom is in TX and her rate is $ 60 a month. So if they have cable, twice a mo. beauty salon, phone, and clothing, cosmetics, etc that can easily run way above the allowance. Those things get paid out of pocket by family or the elder does without.
Keep in mind that if they go on Medicaid, there could be MERP (estate recovery) claim or lien to deal with after death.
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.
Independent living is not covered by insurance, as far as I know.
Nursing homes often accept Medicaid
Nursing homes that are used as transitional care units/rehab facilities are covered by Medicare for short periods of time
Hospice care is covered by Medicare
Is this what you were looking for?
Follow up question: does government insurance cover ALL of the cost or just part of it?
Medicaid is not a traditional insurance policy. It is a needs-based federal program administered by the states. Once you qualify financially and medically, you are expected to pay your own way to the extent that you can. All of your income (less a small personal allowance) must go toward your care. So if you are in a long term care facility that costs $6,000 a month and you have a pension and SS checks totaling $1,000 a month, $940 goes to the facility and Medicaid picks up the rest.
(Actually, Medicaid doesn't "pick up the rest" -- it pays the facility according to Medicaid rates, which are much lower than the facility's stated rates. This is why some facilities opt to not accept Medicaid. But as far as the resident is concerned, their entire income, less a small allowance, goes to the home.)
If you are using the Medicaid program for support in your own home, the financial rules are a little different, because money is not going to a facility and you need money for your rent or room and board, etc. A needs assessment is done to determine what services are needed and can be paid for under the program. This would not be 24/7 in-home care, because at that point going to a facility would be more cost-effective for Medicaid. For example, my mother is eligible for 10 hours a week of a health aide. My husband got 32 hours a week. Other services, such as housecleaning, laundry, changing bed linens, etc. may also be deemed needed services and paid by Medicaid.
Whew! You can see that this is not a quick-answer, one-size-fits-all topic. I hope this gives enough basic information to help you anticipate what will be available to your loved ones.
I guess I have another follow up question:
Do families ever face situations where they have to pay out-of-pocket? The biggest concern is when/where are the out of pocket expenses when it comes to these different types of care.
The allowance runs from $ 35 - 90 a month. My mom is in TX and her rate is $ 60 a month. So if they have cable, twice a mo. beauty salon, phone, and clothing, cosmetics, etc that can easily run way above the allowance. Those things get paid out of pocket by family or the elder does without.
Keep in mind that if they go on Medicaid, there could be MERP (estate recovery) claim or lien to deal with after death.