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Most states offer a Medicaid Program for individuals who meet financial eligibility and medical need criteria. Please contact your State’s Department of Human Services Income Support Division (local Medicaid office) to see if you or your loved one meets criteria for assistance. Most individuals fear that they may loose their home or all of their income and assets if they apply for assistance. There are laws and regulations in each state that provides Medicaid to protect home or homestead and to protect spouse from poverty. There are also attorney’s that specialize in Elder Law that can help you protect your income and assets and plan for transition to State Medicaid Assistance when you or your loved ones resources become exhausted.
Nursing homes generate income from providing rehabilitation services to keep financially afloat. They check to see that they will make a profit from providing patient services they need. That means that everything patient needs in way of treatments, therapy and medications must be covered by your insurance before they agree to accept a patient from a hospital.
The nursing home will also want to get an understanding of patient’s cognitive status and psycho/social-well-being to see that they are appropriate for their facility unless they have a contract with discharging hospital. Keep in mind that not all nursing homes are adapted to serve all types of patients. If you or loved one has some behavioral issues, related to dementia, Alzheimer’s disease or psychiatric problems they may not be accepted for admission. You may need to find a nursing home that specializes for those types of paient needs.
Understanding your insurance benefits and your needs will get you services you require for a successful rehabilitation stay.
Tammy Gonzales, Life Coach and Advocate to Caregivers, of Revitalife Coaching & Consulting, LLC guides Baby-Boomers and the Sandwich Generation on how to take initiative to manage aging and caregiving before it becomes a crisis. Visit www.caregiverinfonline.com for more information.