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QUESTION: My parents are both in their early 80's, and my mom has some difficult
health issues which may mean she'll soon need to move to a local
nursing home. One of our (me and my siblings) concerns is financial:
my folks have not a lot of money. If my mom comes to the local
Nursing Home w/$25K to her name, I expect that she's supposed to use
that money to help pay for her care. Once that's gone, however, I
wonder what happens? Does Medicare take over? And if/when that
happens, does she receive the same level of care as before? Or worse?
Better?
But mostly it's about money. Do these sorts of policies differ from
state to state? Or since Medicare is a Federal program, is it
administired uniformally across the states? I mostly wonder how my
mom would be able to stay in a nursing home after her own money is
used up.
ANSWER: My mother (94 years old) had to go into a nursing home in Illinois last
August. I am her only offspring, and I live in Kansas; so it is rather
tricky to handle her business (I have durable power of attorney, and she
has had all of her assets listed jointly in both of our names). At any
rate I have been told that presumably if or when her assets are
"appropriately" exhausted she would qualify for Medicaid. BUT the
current nursing home proclaims that it cannot guarantee a spot for her
if that happens. Only if one is available for such cases. I guess that
there is some other program in Illinois that would handle her case if
such circumstances arose. At any rate, thank God, it looks as if her
assets should be more than adequate to see her through. But it's still
mind boggling to handle her business from over 500 miles away in a
different state.
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