What are our options for paying for long term care?

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My dad (84 years) fell and broke his hip earlier this year. In February he transferred to a facility for rehab and since he was in the early stages of dementia, once his insurance covered rehab stint ended, they opted not to continue because he couldn't remember what he was taught from 1 day to the next. So, I moved him into the long term care area of their facility because I just could not provide him with the care he needed at home and he still can't walk. His insurances (Medicare & Medicaid) covered his long term stay for 6 months, now I've become responsible for what Medicaid won't pay - close to $900 per month. He doesn't have a secondary insurance and I'm wondering if I can get one and pay that premium (which I'm hoping will be less money) instead of the $900 straight to the facility.

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Only; I'm so glad you reached out here!

While the $900 per month may seem interchangeable to you, it really isn't.

You want to get a NAELA certified lawyer who really understands Medicaid in your state, not someone who starts talking about hiding money.

YOU should not be paying for your parent's care, no matter how much you love them. Please keep that in mind if someone (family, Social Worker, friends, etc) start trying to guilt you into it.
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No I haven't seen an EC atty BarbBrooklyn. I'm beginning to think I need to just to get clarity on things and learn have to navigate this world of caregiving.

JeanneGibbs, $900 to ensure my dad stays in LC or to my mother, it's six in one hand, 1/2 dozen in the other. I know my parents are eligible for more than they are getting, that's my biggest concern and to Barb's point, an EC atty is probably my best bet
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So the $900/month you are paying is for household expenses for your mother?
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Did you see an Eldercare attorney when you applied for Medicaid? If there is a community spouse (your mom) she should NOT become impoverished.
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His SS check helped pay for family bills, so yes, after the minimal spouse in the community support, the balance is going to pay for his care. This will leave a tremendous shortfall in bills for the home he and my mom shared (and that I moved back in to to help care for both of them & to personally have peace of mind).
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Oops ... something is wrong here. If a facility accepts Medicaid, they cannot charge more than Medicaid pays. And even if they could, it would not be a relative who owed it.

I doubt you could get insurance for him at this point, but he has insurance that should cover everything -- Medicaid!

If I were you I'd start by having a conversation with the Medicaid case worker.
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How did YOU become responsible for paying what Medicaid Doesn't?

If the facility accepts a patient into a Medicaid bed, they get the patients income ( SS, pension) and whatever Medicaid pays.
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