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As far as I know, that is it. The first month. Then, if there is LTC insurance, that will kick in and may reimburse you. If not, you pay privately by the month until assets get to the point where the person would go on Medicaid (generally about $2000, but apply before that time).
Carol
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You will need to pay the first month or so while your application for the long term health care insurance is processed.
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