Purchased home with mother. Is my interest in the house subject to creditors/state?

Medicare SHOULD cover dialysis during rehab. This is probably a coding error.

https://www.medicare.gov/coverage/dialysis-services-supplies#:~:text=Inpatient%20dialysis%20treatments%3A%20Medicare%20Part,dialysis%20facility%20or%20your%20home.

Please appeal this denial in writing immediately. Then get on the phone to the Social Worker at the rehab center and get help in getting this paid.

For me when trying to figure out these statements and bills, I need them in front of me. I now have to get into the habit of asking if its Traditional Medicare with a supplemental it a Medicare Advantage.

Medicare Advantages works so different than having traditional Medicare. Medicare contracts them out. They are suppose to honor A&B but they always don't so its a fight getting things paid.

With Traditional Medicare you get a statement/summary. It shows what the provider charged, what Medicare feels is reasonable and then Medicares 80% leaving a balance that the suppliment should pay. The supplimental statement/summary the supplimental sends is the one you worry about. This shows what is due. You match that up to the providers bill.

"out of network provider" is probably your problem. When using Network providers you may get the provider paid in full. When out of Network, theres out of pocket.

And if mom does not take care of DPOA now she may become incapacitated and unable to do it later. If that happens then the state may very well become her guardian and make all her choices for her leaving you out of decisions, completely. What would mom rather? The state or you or someone else of her choosing?

So, there are two homes now? One you bought for your family and one mom bought for herself that also has your name on it? The quit claim may be of no consequence. Is your name on the mortgage and the deed? Warranty deed?

More information would be helpful.

Team, you seem very confused about a lot of things.

1. Your mother needs to assign you as her DURABLE POA for medical and financial NOW while she is competent. That is something you can re-visit with an elderca Re e attorney. Only your mother can do this; no one else can "assign" this job. If she fails to do this now, you may have to sue in court to get guardianship when/if she becomes incompetent

2. You need to APPEAL the denial of coverage of dialysis NOW. Your Medicare statement should have a number/address: : "my mother was in rehab and unable to get to regular dialysis facility. This was a medical necessity and an emergency situation". You appeal to the insurance carrier, in writing, not to the rehab center.

3. Your mom has Medicare. If she is unable to afford her Medical bills, you need to look into getting her qualified for Medicaid. There is Community Medicaid which is medical insurance and LongvTerm Care MediCAID, should she need to reside in a Nursing Home. The qualifications are different got each one.

4. Tell your mother that starting now, she is to sign NOTHING unless you look at it first.

5. Get the book "Medicare for Dummies" so you understand how it works.

6. Your concern about your joint home being subject to creditors/state should probably include a concern about that transaction disqualifying your mother from receiving MEDICAID, which could be what the eldercare attorney was trying to explain.

Clearly tricky. My google check suggests that the Quit claim deed means that mother can’t claim against you, but that may not mean that it stops mother’s debt claims being lodged against you and the house asset.

You should document the payments you made into the house ($ and what they were for), and get your mother to sign to verify them. Of course I wouldn’t recommend that you back-date the document to the time of the quit claim, though I know some people would try that.

I suspect that the lawyer who was unhelpful found your ‘brief’ confusing to understand, and not all that hopeful for litigation – also that litigation wasn’t imminent so what was the lawyer supposed to do? I’d suggest that you first get your ‘brief’ documentation together, then wait until you get proceedings that make sense against you rather than your mother, then contact a lawyer who seems to know more about the deal.

Good luck, it’s not easy. Margaret

Haven't we gone through this same scenario before? Maybe a new username?

You need an elder law attorney very well versed in medicaid.

I would appeal that denial, immediately. Your mother didn't have much choice, did she?

Are you her medical or financial POA? Did you or she approve the out of network charges, or were you made aware of them?

Welcome, Team.

"We are starting to get medical bills that mother will not be able to cover and are not covered by insurance according to recent bank statements."

Acording to bank statements? Bank statements have nothing to do with what insurance covers.

Is mom on Medicare? Does she have a supplemental plan, or is she on a Medicare Advantage plan?

I regularly get statements from Medicare saying that I may be responsible for large amounts of money. My supplement takes care of that. Make sure you understand stand mom's medical insurance whether it's Medicare/Medicaid.

The real estate is a separate issue. Wiser posters will help you with that.