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I canceled my Aunts on advice from Nursing Home. Then we she got sick what medicaid did not cover was our problem. Even small bills can add up quick($40. and up to $300.). I would suggest really researching it with a social worker for elder care.
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The NH that my mother is in told me to cancel her Medicare HMO and that Medicaid would pay for anything Medicare would not pay for. I am in Pennsylvania so not sure if the rules are different in different states.
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If she did not have that coverage wouldn't Medicaid cover her costs? Do they want her to keep it so they don't have to cover more? Not trying to stir the pot, just wondering.
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When my mother inlaw went on Medicaid the (very helpful) woman in the medicaid office helped me with that. In North carolina Medicaid wanted her to keep her Blue Cross Blue Shield extra coverage. It comes directly out of her bank account each month. (she is living on her social security check) Medicaid determines how much they pay based on that insurance. They wanted her to have it.
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I reviewed what my mother's exorbitant health care coverage covered, nothing whatsoever for a nursing home. I cancelled it, was I right, or wrong, I don't think it will help her,
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BTW, you are not responsible for it; the estate is. So when your mother passes on, they can collect the money from the estate, i.e., you may have to sell the assets to cover the bill if there is no life insurance to cover it.
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No, don't cancel it. The nursing home can guide you on this. It helped to pay the bills before my father passed to help pay the medical bills. Without it, when it is time to settle the estate, some states can send you a bill for what medicaid didn't cover!
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That is a really good question. My Dad is in a NH too, with Dementia and has health coverage. But we keep it for my Mom who is still living in the community (community spouse). I would think the social worker at the NH should be able to guide you appropriately. Did you ask them? Anyone else chime in?

xo
-SS
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