We have long term health care insurance but the amount they provide is less than the rate oof local nursing homes. We could not afford to have one of us live at home (community spouse) and supplement the rest of the nursing home fees. Does Medicaid supplement nursing home fees in this situation? It has been hard to find an answer.
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- home care. Pay a home health agency to have one or more persons to come in on a schedule to match your needs
- Look into eligibility for State-run programs that provide nursing home-equivalent care at home. See if anything can offset the cost of whatever the insurance policy doesn't cover.
- house-sized assisted living facilities that have less than six patients
I hope you find a workable solution soon. Take care.
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Since assisted living facilities can also be pricey, have you looked into assisted living facilities in a house?