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I filed for Aid and attenence and you have to provide need. Either they r in an AL or having care in the home over and above their income. Income can't be over a certain amount. Can't use A&A and Medicaid together for long term care. My Mom was in an AL paying 5K a month and her income was $1700. She had enough savings to pay for a year. She was turned down because she made over 13k a year. Who can live and have care for 13K. Since she was Okd for Medicaid I chose not to contest the ruling.
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My understanding is that VA coverage is done at VA facility or allowed at other facilities only if there is an existing Agreement between the VA and the outside health care provider. VA is a closed system for providing health care, kinda like Kaiser HMO is a closed system. So if you want coverage under VA, it’s limited to those within their system. VA is health care insurance not LTC insurance.

But I’m guessing that your ? is more about confusion as to what LTC is and how it gets paid. Living in a LTC Facility, like a NH or MC, is not considered a health insurance covered event. Medicare does not pay for someone’s stay in a NH other than a brief time limited rehab stay with them coming into a NH for rehab following a hospitalization. Neither will BCBS, Humanas etc. unless it’s post hospitalization and a covered benefit. It is Medicaid that can pay for the daily room & board residental costs to be in a LTC facility if eligible. VA does a residential benefit if in a VA facility or retirement home.

Could you be thinking of Aid & Attendance? VA can do a separate Aid & Attendance benefit if they qualify. I think A&A has a max of around $1800 a mo, which the vet is paid to spend as they want. For those living in their home or in AL, the A&A plus other retirement income can cover their monthly costs. So filing for A&A is a good thing. But those in a NH, as NH costs run from 5k - 15k a mo, A&A isn’t enough to pay for their stay. so unless they have a long spend down to do, the math is better to go onto Medicaid as it covers all costs if eligible. If that happens, the VA drops the monthly benefit to $90 a mo., which they get to totally keep to spend on thier own.

If your all new in this, there’s lots of great articles on this site to read.
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Is it actually insurance or just the person goes to a VA hospital when he needs something. The VA has their own homes so not sure why they would pay for rehab in a private facility. You really need to talk to ur County VA representative.
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It depends. Need more info, in elder care there is no black and white.
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