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Daphne, Memory Care is private pay. Most States do not pay for MC. My State of NJ you must pay privately for at least 2 yrs for Medicaid even to consider you. Then, its if the MC excepts Medicaid and if they do, if they have met their quota of Medicaid recipients they allow. There are basic rules with Medicaid but each state is allowed to have their own criteria. You need to find out what that is for ur State. What's the asset cap. Whats the monthly income cap (SS and pension) Most assets have to be used for the persons care. What ones are exempt? (House and a car r exempt) You need to contact ur Social Service office and talk to a Medicaid caseworker to see what your States criteria is.
It really doesn't matter what Medicaid pays. The persons SS and any pension will go towards their care and a small part of their SS, but in your case pension, will go into a Personal Needs Acct (PNA). As said, in NJ it's $50 in other states could be higher. Once you pay your share, Medicaid pays theirs. And what Medicaid pays is what the MC has to except since they have a contract with Medicaid. Remember, MC and ALs are privately owned. Not all except Medicaid and if they do, only a % of their rooms are Medicaid rooms.
If they haven't done this, then their assets (bank accounts, savings, real estate, vehicles, etc...) will have to be sold and the money spent on their memory care bill. The facility will also take their monthly income as well.
When it's all been spent down on their bills (not just the facility ones), then they get approved for Medicaid and they pay.
When I finally contacted a lawyer, and then began touring care homes, I was just shocked at how helpful and caring the lawyer’s staff and the social workers were. They went out of their way to give me guidance. This was so very different from my experience with the medical professionals we had been dealing with, I am sorry to say.
I think it is most often very compassionate, naturally helpful people who go into social work. Many reminded me that NO ONE knows how to navigate this journey, and they were there to help.
We have ended up with a very good answer to my family’s messy situation. I am so thrilled—it is all much better than I hoped! I just had to start asking, and I got good guidance.
Our local social workers, from the Mobile Meals people to the nursing home lady were just terrific!
Unless you are wealthy indeed I would not make any attempt to do this. I cannot imagine what would happen when you yourself need these services; the time comes faster than you can imagine.
I would like to suggest you pay an hour's rate to visit either an Elder Law Attorney or a Licensed Social Worker in private counseling practice. I think there you could explore ALL the questions you can list, from POA options, to your own case for your Mom, to options for care, and ways to pay for it.
You question makes me think that your Mom may have ZERO assets, whether home or savings. If this is the case you should assist her in applying for medicaid in order to have funds to access Nursing Home or Board and Care.
If you can update us and supply a bit more information we may have some other suggestions. I sure do wish you the best of luck.
When it comes to paying for Memory Care, it is usually the person going into Memory Care to budget for the cost.
Sounds like your Mom is unable to budget for the monthly cost. Usually when that is the case, one goes into a Nursing Home where Medicaid [which is different from Medicare] will pay for your Mom's housing/care. Your Mom [or you on her behalf] would need to apply to her State Medicaid office to see if she qualifies. Or you can pay an Elder Care Attorney to help you through the maze.
contact your county office of aged and disabilities
if your loved one is veteran or spouse of veteran, there maybe help there. Contact your county veterans office .. it’s not the VA ..or ask your county office of aged disabilities office where to contact