She did have 2 small whole life policies for a total of $7500.00 for burial expenses. She has no other assets. I had already sold her house and the nursing home already took that. Am I responsible for the $15,000? I feel like they added the value of the insurance policys to her bill. The funeral home has filed for the policy to be paid to them. The funeral arrangements had been made at least 4 years ago. Will I have to pay this out of my pocket? I can't afford it either. Just does not seem right.
I'm assuming those insurance policies must be more than five years old since Medicaid does a five-year look back on applicants finances. Otherwise they would be asking after them. If they aren't then you have nothing to worry about.
You personally do not owe the nursing home one cent.
Medicaid pays them and if they're not claiming you owe money, or going after the insurance policies then don't give it another thought. There is no expenses you will have to pay out-of-pocket to the nursing home your mother was in. If she was on Medicaid, they paid her entire bill there.
The insurance policies don't matter because if any expenses were owed, they would be owed to Medicaid not the nursing home because Medicaid is the one who's been paying.