Mom's in a nursing home for short term rehab. Right now she has Medicare A & B and Humana. I am applying for Medicaid later today for her long term care. The NH told me she has a $10 copay for days 1-20. I thought Medicare covered this at 100%. She also told me that days 21-100 will have a $214 per day copay which Mom has no way of paying. Does Medicaid go back and cover that copay of days 21-100? That is over 17k which my Mother obviously does not have. The NH lady mentioned something about if she's Medicaid pending then the copay would only be $35 per day for 21-100. Is that correct? I will obviously ask more questions at my appointment but wanted to get your experience.
One more question. We are letting the NH be the payee of Moms social security checks. At what point is that done? Before or after Medicaid is approved?
For your own self, if you are on Medicare: it is now open enrollment. If YOU have an Advantage plan, you now see it is no advantage at all, Please get yourself a supplemental or gap plan, never an "advantage" plan -- they are just the worst and you only find out after it's too late.