Hi, everyone. The Medicaid Waiver saga continues for us. I’m still not sure I want to “go for it” because I don’t understand how or even if it will benefit us.
Will this wavier pay for my husband’s Medigap Insurance? Will it pay for his medications so he will no longer need Part D? We are supposed to open a Miller Trust and deposit $245 a month into it. I was told I can access that money but it has to be used for his needs. It would cover his Medigap and medications and that’s about it. What’s the sense in opening that trust account? Seems to me it’s like robbing Peter to pay Paul. What happens when the money in that account is used up each month? And, it’s our money. It’s not like Medicaid would match the funds.
I was also told he'd have to pay to pay a premium to Medicaid every month. At one point, the agent told me it could be as much as $1,000. WTH? What’s the sense of having Medicaid if you have to pay through the nose for it?
We don't need (or want) in-home Health Aides. With the exception of a new mattress for his hospital bed, we have all the DME that will fit in our house. Seriously, all I really want is to have his incontinence supplies paid for and maybe his meds.
I’m just totally in the dark with this Waiver thing. I have the feeling, without knowing what it will cover, that it’s not going to be worth the hassle of getting it. Thanks in advance for your help.