Had to pay one month out-of-pocket. Spending down to allotted amount for the county ($15,150.00). Not sure the person sending in the Medicaid application & paperwork I gave her (5-year look back, etc.) knows what she is talking about. She sent the info to Medicaid before we could spend down my mom's bank account. I still have one more payroll check to her home health aide and an Amex bill. This person said not to worry about the Amex bill: 'the doctor at the nursing home will send a letter to Amex, stating my mom is Medicaid-pending in a nursing home, and Amex will forgive the payment.' No one I asked ever heard of that before. I know they help with the last 3 months of unreimbursed medical bills, but this is not the case. If my mom has $15k in the bank, why would Amex let her skate on a $1600 balance??