I am not in this situation but I think others might be or will soon.
It is my understanding that independent and assisted living are private pay, only. I am not sure LTC policies pay for either.
there are buy in CCRC where a significant buy in is required as well as a monthly nut. Private pay also.
I see some discussions about AL memory care. Some parts of the country have those, some don't.
Where I am confused is when Medicaid comes in. It was my understanding that Medicaid only pays for NH or MC, or home based services , but not AL, because Medicaid doesn't pay for room and board unless there is a medical need like memory care or nursing home care?
Is this different by state?
I hope my question is clear.