Oh boy! I’ve been working for 7 months to get LTC to pay. I documented every. Single. Thing. I called the every. Single. Week. I return receipt’d documents. I faxed. Over. And. Over. They constantly required new information, repeated documentation after I sent it. Lost documents. They try and wear you down. Last week they finally said she qualified with daily living. That floored me bc she has mild (?) dementia- can’t do bills, repetitive q’s. But, passes that stupid mini cognitive test!!! That simply is ridiculous. I have yet to see a check but will continue my “harassment “ of LTC.
LTC insurance, like a Genworth type of policy? If it’s this, you need to go over in detail as to the terms on the policy. or LTC Medicaid? so your “at need” eligible both financially and medically for however your State runs LTC Medicaid and if your State actually includes care in an AL for its LTC Medicaid program.
Most States LTC Medicaid is geared for care in a SNF aka a NH, and maybe just maybe in MC. LTC Medicaid pays for room&board / custodial costs and between Medicare & Medicaid pays for health services, like visits by the medical director of the facility, RXs, physical therapy.
AL usually is all private pay or perhaps LTC Medicaid eligible if your State Medicaid does AL waivers and the elder has been private pay at the AL for at least 2 years and then can get a Medicaid bed (if one open) and they are assessed to show AL is still their appropriate level of care for placement.
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Last week they finally said she qualified with daily living. That floored me bc she has mild (?) dementia- can’t do bills, repetitive q’s. But, passes that stupid mini cognitive test!!! That simply is ridiculous.
I have yet to see a check but will continue my “harassment “ of LTC.
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LTC Medicaid? so your “at need” eligible both financially and medically for however your State runs LTC Medicaid and if your State actually includes care in an AL for its LTC Medicaid program.
Most States LTC Medicaid is geared for care in a SNF aka a NH, and maybe just maybe in MC. LTC Medicaid pays for room&board / custodial costs and between Medicare & Medicaid pays for health services, like visits by the medical director of the facility, RXs, physical therapy.
AL usually is all private pay or perhaps LTC Medicaid eligible if your State Medicaid does AL waivers and the elder has been private pay at the AL for at least 2 years and then can get a Medicaid bed (if one open) and they are assessed to show AL is still their appropriate level of care for placement.