I finally got her into a nursing home. Rhonda has MS and dementia, I am her legal guardian. Her Insurance is Blue/advantage. Blue Cross has been difficult to deal with, not only for me, but for hospitals and her nursing home. The biggest issue has been rehab therapy. It has been difficult to get it approved and is very limited, when it is approved. I was advised to change her plan back to regular medicare ( A and B ) then add on medicare D to cover her meds. I have also submitted all the paperwork to get Medicaid, for which she does qualify. I am just nervous about the decision. I would appreciate input from anyone on this forum. It was due to advice on this forum, that I was able to get her Into a nursing home, in the first place. So, thanks to you all, for sharing your knowledge.