Does my mother need a supplemental insurance policy if she has Medicare and Medicaid and is currently in an assisted living facility?

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If she is on Medicaid, the state may have a policy like Medicare F (supplemental) for a very small fee. This will depend on the state. I'd call her Medicare/Medicaid person (local Social Security office should get you there), and ask what she needs to do. On Medicaid, much is paid for, but there are still some co-pays. You'll want to be clear about her needs and see if you can get her on this policy. Some states have it automatically part of the package and free. My state charges $40, but that is far less than BCBS's policy.
Take care,
Carol
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my understanding is that if the supplemental insurance policy is cancelled then Medicaid will pick it up, but then that money will be included in the portion that is paid towards the care in AS or NH. All income except for $40 ,in some states, must be paid towards care and then Medicaid picks up .
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Caution: The Medicare Social worker may not look at all perspectives, The Medicare Soicial worker may only be considering what she/he feels should be "collected" as a maximum upfront amount. If Mom has a Supp Policy& and has income from SS or Pension, then the cost of the Policy can be taken out of the dollars that would normally be 'given over' to Medicaid.
In a medical event this will save both the state and feds money, and may actually lead to a better quality of care.
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Assisited Living is rarely MEDICIAD it is private pay
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Some secondary policies will not do a co-pay once Medicaid is in effect as it is a duplication of payments.
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Some states have a waiver program that will cover AL through Medicaid. All the states' usual Medicaid financial qualifications and eligibility criteria are the same, it's the medical eligibility that changes. It's a shame waivers isn't more available as AL is just so much less costly than NH.
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My 87 yr old husband has dementia, and loosing his abilities tomfuntionmspecially. Walking, his is a veteran with 40% disability, he is on Medicare also has part D, I need help to take care of him at home, since I cannot afford a nursing home? I have small nest of savings it seem like every one wants to rip me off of my life savings and nothing will be left for me to live on?
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In This Case I hopre that the spouses had arranged Durable POA's for each other
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