So my mom is now in a nursing facility, and I'm told Medicaid will allow her $60 of her income per month for expenses, and the rest goes to the nursing home. Her current Medicaid has a monthly spend-down (her income is above the "allowed" income in our state).
I called the Medicaid Assistance Program and asked how that works considering she has other bills... like all of the hospital bills that will be coming down the line, her credit-card bill, etc. The person I talked to didn't really have an answer for me. If we're supposed to pay $X for the spend-down each month, but she is only given $60-- well below that spend-down amount-- how is that supposed to work? I can't exactly pay these for her.
She doesn't have that long left (a month or two), so soon enough it'll be a case of "I'm sorry, but she is deceased and has no assets to pay the debts" and in the meantime, it's not like I'm worried about her credit score if she doesn't pay, but... I'm not sure what we should do about these bills when they start coming in? Call the creditors and explain the situation? I don't fancy the conversation of "well we can maybe send you $15-$20 a month" nor "and soon you're going to be out of luck anyway"? Should I just ignore until she dies and then just let them know then that she's deceased?
I know there's nothing I can do, but there's something that bugs me about us sitting here racking up a bunch of bills we know will never get paid or just knowing her bills won't get paid. Especially things that were incurred before she was in hospice and such, like the credit card bills.