Will Medicare kick in in PA when relative runs out of money?

Follow
Share

A NJ relative wants to go to assisted living in Pa to be near relatives. Due to their age they feel certain that the money they have will run out. I was told that because they have a home in NJ that once the money runs out Medicare will only kick in if they go to assisted living in NJ. Is this a correct statement?

This question has been closed for answers. Ask a New Question.
Find Care & Housing
8

Answers

Show:
MickD6611, what you heard is correct. When you are close to needing Medicaid, stay in the state you are in. Crossing state lines is not worth the hassle.
Helpful Answer (0)
Report

Assisted Living now is covered by Medicaid in many states -- it is less expensive than a nursing home, and if it adequately meets the person's needs it is a better value for Medicaid. BUT many AL facilities will not accept Medicaid (since it pays lower than their normal rates.) Some accept it but only after a specified period of private pay. So do some research on what would really be available in the area where the relative wants to locate.

And Babalou is right in advising legal consultation. Medicaid can be very eary and straighforward to apply for if the person is single and has no assets. It can get complicated very quickly by things such as home in another state. It is so much better to spend some $$ upfront than to make a costly mistake!
Helpful Answer (0)
Report

Mick, I'm not sure what your question is, i think we cross posted. Please clarify.
Helpful Answer (0)
Report

Even if they assisted living location is in PA?
Helpful Answer (0)
Report

Another thing, Medicaid does not cover AL in many states, only nursing homes.
Helpful Answer (1)
Report

Ignore Nasmir.

Having a home in another state can be a sticky issue. A home is generally an exempt asset for a resident of THAT state. Because Medicaid is a state specific program, they really need to get expert legal advice from someone who knows both nj and pa Medicaid.
Helpful Answer (1)
Report

Thanks. You are correct. I meant Medicaid.
Helpful Answer (0)
Report

Medicare is a Federal Program that pays for medical care. There is no need for anyone to run out of money for Medicare. One os eligible if they have paid in and of they are over 65 years old. But Medicare does not pay for long term care, not assisted living and not a nursing home.

Medicaid is a program that funds long term nh care for those who are poverty striken and in medical need.

Your friend needs to consult a certified eldercare attorney about Medicaid eligibility.
Helpful Answer (2)
Report

This question has been closed for answers. Ask a New Question.