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When my Mom runs out of funds a Nursing Home w/be the only optioShe does not need long term care yet. The long term care facilities in our area are mostly semi private, shared toiliet and assisted showers 2 times a week. She will hate it. And it costs more than the Assisted Living where she has a private room with a private bath (including shower). It makes no sense. While it is hard, I am willing to use all of her funds for her care (she would be outraged, if she knew how much is spent each month for her care), but once out of funds she will be living like a convict.

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Iowa allows residents to consumer direct their attendant care. Attendant or personal care can be provided at home or in assisted living. The HCBS Elderly Waiver is name of the program that provides funding.
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Where I live in Nebraska, (I see that you are in a neighboring state), some AL facilities take Medicaid. I know of one in my town that requires one year of private pay, and one that does not require any private pay. Your mother would need to be evaluated to make sure that she meets the criteria for the facility you choose. There are some limits on what services an AL facility is able to provide. You might try calling your Area Agency on Aging and ask if they have a list of facilities that accept Medicaid in your area.
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millerteresa, I suspect it is mostly a matter of supply-and-demand. There apparently are enough people who can private pay for ALFs so that the owners don't see the need to accept Medicaid. Medicaid's reimbursement rate is not the same as the going rate in the area, and no doubt also involves lots of paperwork and regulations. Many ALFs (here at least) do accept Medicaid after a resident has private-paid for a certain length of time.

Whether they are for-profit or not, Assisted Living Facilities are a business and are run as such.
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Also AL is not near what NH is.
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Think that your Mom can not have over a certain amount of income in order for Medicade to kick in after the send down. (I live in NJ and think that it is $2 thounds and something) ( forgot but need to look it up) if it is over that amount in income she will never go on Medicade and must go to NH for the send down. AL will only take it to Medicade after 2 years of private pay. Have to get back to you on figures.
AL places want to fill there rooms with private pay people. They are a business, not a social service no matter what they claim.
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Yes, but I am not equipped to handle someone with that much incogtinence and weight. She is 188 lbs and falls a lot. Bottom line, I love her, but I am not going to ruin my life. She would still be unhappy, just in a different prison. She needs to have the socialization and she thinks she can still live alone.
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Teresa, you are so right. I did the same thing and had my Mom in a very nice Memory care AL. ($7200/month for the AL vs. $11,500 for NH). At one point I was considering a move and did find an AL that took Medicaid after 2 full years of full pay. Their monthly tab was $8600. I never did move my Mom and I felt that I would give her the AL while she was more cognitive. When she passed away there was still money in her acount. I've never regretted the moves I made for her. In some ways it was luck but with memory issues the decline may make the lesser facilities less important to her (certainly not to you). All we can is to give the the best available care with the resources available.
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Wow. So glad you are willing to use her money for her needs. When that money runs out and she is Medicaid eligible she may qualify for at home care to live in your home to avoid prison. Really.
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