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Science Forum Index » Medicine - Nursing Forum » HELP.. MEDICARE and MEDICAID
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| sunni |
 Posted: Sun Nov 26, 2006 2:56 pm |
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Okay, I am a college student and I have to come up with a research
question. I was planning to do it on some variation of What type of
financial burdens are seniors faced with when using Medicaid, Medicare,
or PACE as their main source of payment for long-term care... This is
where I need help, I was wondering if any of you had an stories of
financial burden you or people you know have faced.. I would greatly
appreciate it. It will help me determine whether I should or not pursue
a question such as this. |
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| Starlight |
| Posted: Sun Nov 26, 2006 10:42 pm |
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Guest
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On 26 Nov 2006 10:56:17 -0800, "sunni" <klopez5@unm.edu> posted:
Quote: Okay, I am a college student and I have to come up with a research
question. I was planning to do it on some variation of What type of
financial burdens are seniors faced with when using Medicaid, Medicare,
or PACE as their main source of payment for long-term care... This is
where I need help, I was wondering if any of you had an stories of
financial burden you or people you know have faced.. I would greatly
appreciate it. It will help me determine whether I should or not pursue
a question such as this.
Medicare will not pay for long term care, unless the patient is a
dialysis patient, and even then it doesn't pay for room and board.
Medicare is essentially acute care insurance. It pays for so many
days per year in a nursing home (3 months, I believe) if there is a
need for nursing care, PT and rehab, etc.. However, seniors cannot
use Medicare for long-term care costs above and beyond that.
In order to use Medicaid for long term care, at least here in Ohio,
the patient cannot have assets of more than $1500. They may keep
their home and their car, and Medicaid will pay for home health care
for needy patients for so many hours per day/week. At the time of
their death, though, any assets they have will be turned over to the
State to reimburse for Medicaid dollars used. Or they can essentially
sign away all they own, except for a small allowance a month
($30-$40), and be admitted to a nursing home that accepts Medicaid
patients.
As far as I know, Ohio does not offer PACE.
Sorry I don't have any stories about financial burden because all the
patients , or wards for which I've been guardian, who were on Medicaid
were indigent. |
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