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LTC co pays about half of mom's skilled nursing bill. The nursing home billing system is impossible to understand. The LTC co delays payments when they turn in billing past a certain date, which I have reiterated numerous times to billing dept at skilled nursing. My DH did an account reconciliation spreadsheet over past year + and we are definitely short payments. There have been gaps in past with nursing home submissions. Do I have the right to get accounting from both entities after submitting our spreadsheet to them? Anything else I can do? Tracking all of this has been nightmarish. Luckily my DH is a numbers guy... Thank you for any advice!

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bianca12: Ask both for detailed accounting records. If need be, retain an elder law attorney.
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YOU DO have the right to ask for an accounting from both facilities. I do this all the time if I see a problem with any bill, and I always get results from contacting them. Just last month I had to call my husband’s hospital pension plan facility when I found out that they had deducted money for the entire last year and into four months of this year from his pension to pay for his Medicare Advantage premiums when in reality we paid for these premiums out of our pockets for the entire year. My husband had switched to a different Medicare Advantage program last year and apparently the pension plan was not notified by the prior Medicare Advantage carrier that he was no longer in the program so the pension plan continued to deduct the premiums. Two weeks later, they called me and told me that they will reimburse him the money that they deducted from his pension as they did look into the matter and they realized their mistake. A few days later, my husband was reimbursed. I always try to resolve these problems first with the company instead of hiring a lawyer to do it for me. If they were to give me a difficult time in resolving the problem, I would then resort to hiring a lawyer to go after them.

These facilities MUST provide that accounting. If they don’t give you that accounting then you should threaten them that you will have your attorney call them to rectify the situation and you will definitely get results immediately.
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Elder Law Attorney who can protect and educate you. A letter from a lawyer can be very effective.
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I agree with another post, do not show your spreadsheet first. Ask both for detailed accounting. If they delay. Tell them it is for taxes.
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I have been having an issue with momma receiving her long term care benefits. She pays the assisted living facility first and then they turn in the paperwork to Nortwestern Mutual for her to be reimbursed. Well momma did not receive her benefit payment for March and the facility was going to subtract her payment for April which means momma would be short over $10000.00 from her trust checking account. I call the facility and they blame it on Northwestern Mutual - I call Northwestern Mutual and they say they have not received the paperwork. I believe Northwestern Mutual. I feel like the facility is not doing their job and lying about it. Momma finally got reimbursed but I have to stay on top of it.
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Knowwhat2do May 11, 2023
My husband is in a residential care home and they forward the monthly bill to me and I immediately FAX it with a cover sheet to the LTC company indicating that I am coordinating his care & expenses and how they can contact me. It hasn't been a problem with Genworth LTC, but remember that most LTC Insurance Companies don't send the reimbursement money until "after the month has passed". So I need to have money available to pay the care home on the 1st of each month since LTC's check doesn't clear my bank until the 9th of every month.
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Yes, you are entitled to get statements showing payments given and received.
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Thank you for your responses. As a legal question, am I entiltled to ask both the skilled nursing facility and the LTC company for records of their actual accounting? That is what I would like to do, so I can compare it to what was taken out of, and reimbursed by LTC company. There is a definite discrepancy.
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ChoppedLiver May 11, 2023
YES! Ask both of them for detailed accounting.

Does LTC have to accept the bill directly from the Nursing facility? Is it possible for you to get the bills from the Nursing facility and submit them to the LTC company directly? To me, that sure beats trying to reconcile month by month and track down what goes with what....
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Bincase, you are absolutely entitled to the records.

I, personally, would get the records BEFORE I gave them your spreadsheet. You don't want any changes before you see them.

Best of luck. I am finding that the convoluted billing is becoming a business model and it is criminal IMO.
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Heck yes... if you can prove it do it!
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