Medicaid can cross state lines through reciprocity agreements between states. It is a federal program that is managed differently in different states. Planning is key.
That’s only for states that have opted in to the reciprocity agreement & it’s for Medicaid asset protection AND you still have to apply for Medicaid in the new state AND qualify for it AND that state must have a reciprocity agreement with the previous state. It’s for LTC partnership programs though. So it is actually correctly that Medicaid does not cross state lines. You can’t use NY Medicaid in California, or Illinois Medicaid in Florida.
There have been some discussions for this subject on the forum in the past. You can use the search and look around for threads that might help. I think what I remember learning is that if a person is on Medicaid, it’s often thought that there will be no money for the supplement premium but it turns out that the supplement payment can be allowed by Medicaid. So it doesn’t cost the patient extra to keep the supplement. There are some LTC facilities that offer their own Medicare advantage plans and they tell patients they don’t need the supplement plans. There are some situations where that might not work out if care is needed that isn’t provided by their on staff doctors. If your mom is going to be private pay at the ALF and it isn’t a requirement to go to that particular ALFs insurance, I don’t understand why she would be even considering dropping her supplement. It’s a very complicated issue. Very state specific. I think I would do as suggested by ITRR and call your carrier to discuss. Do come back and let us know what you learn.
If she is in AL on long term care, she will have to give upBCBS. Medicaid will become her supplemental. There are AL’s in both Ohio and Maine that accept Medicaid.
AL’s are not private pay. Many DO take Medicaid. And Medicaid in the OPs state pays for assisted living. In many other states. Medicaid also pays for AL or for some of the costs of AL.
I believe she can keep the BCBS while in AL, since they are not paying for the AL facility, they don't care where she is living. However, if mom needs to go to a long term nursing home, then in that case she may be dropped after a few months there.
She is not on Medicaid. A friend of mine moved her grandmother into a facility in California and when she changed the address, the supplement dropped her. Perhaps she was on Medicaid. Now I’m not sure.
If your friend moved her grandmother to another state, then that is probably why the insurance dropped her. If it was Medicaid, that’s definitely what happened because Medicaid does not cross state lines.
She is not on Medicaid. A friend of mine moved her grandmother into a facility in California and when she changed the address, the supplement dropped her. Perhaps she was on Medicaid. Now I’m not sure.
Allie, is your Mom now on Medicaid [which is different from Medicare]? I was wondering if supplemental insurance is dropped as Medicaid will now take its place. Call your State Medicaid office to verify that would be the case.
Otherwise, when my parents moved to senior facilities on self-pay, they were able to keep their supplemental insurance.
I think what I remember learning is that if a person is on Medicaid, it’s often thought that there will be no money for the supplement premium but it turns out that the supplement payment can be allowed by Medicaid. So it doesn’t cost the patient extra to keep the supplement. There are some LTC facilities that offer their own Medicare advantage plans and they tell patients they don’t need the supplement plans. There are some situations where that might not work out if care is needed that isn’t provided by their on staff doctors.
If your mom is going to be private pay at the ALF and it isn’t a requirement to go to that particular ALFs insurance, I don’t understand why she would be even considering dropping her supplement. It’s a very complicated issue. Very state specific. I think I would do as suggested by ITRR and call your carrier to discuss.
Do come back and let us know what you learn.
Note: here is one search for you on this topic
https://www.agingcare.com/search?term=Supplement+plans+in+ALF
When Medicaid is involved, you may not need a supplimental. It depends on your State.
I am in AZ and my dad got insurance while he was in a facility with no problem.
Let us know what you find out.
I would not get rid of her supplemental insurance if she is self pay in AL. The co-pays for NOT having it pay for the plan and then some.
Can you let us know if she is on Medicaid?
Otherwise, when my parents moved to senior facilities on self-pay, they were able to keep their supplemental insurance.