My mom went from hospital to nursing home. Therapy then long term care, check goes to the facility. She's done her 20 days and therapy lasted until the last day of the month. Recvd a bill for a lil more than $1300. I don't understand when the accountant said Medicare and Medicaid covered all. What is the bill for? It came on the due date! ? Please someone help me understand?! I paid her life insurance with the balance in her account (with her permission) up for a year in hopes I would have a job to by then to cover the cost to be able to bury her when needed. All of this is so confusing and frustrating. Of course all bills come to me because I'm the "responsible one" sometimes I just want to give up. Btw, the office is closed today, so I am unable to chat with anyone and I've been racked with worry beacause i can't pay a dime. Ready to lay down and give the government everything, they'll take it in the end eventually. I mean what's the point? :( These are not tears of joy...
If so, That 20% needs to be paid in some way.
If they have decent secondary insurance, it pays the 20%. My mom had FEHIB BCBS & it covered in full any costs not paid by Medicare.
If they were already on medicaid, it pays the 20%.
If they have LTC insurance, it all depends on the policy. Most have substantial # of self pay days before the LTC policy kicks in &/OR it may not pay till they are totally out of rehab & a permanent LTC resident.
Otherwise it's private pay. It's moms debt to be paid from her resources unless you signed off to be personally financially responsible.
$ 1,300 is pretty modest amount. It's the 20% copay I bet. If mom has secondary insurance or Medicaid is her secondary insure, then they should pay the $ 1300. Bill to you is copy of bill to insurer. Calmly reread.
? for you: What is the plan for when mom is out of rehab phase?
Staying in NH or moving back home?
Sometimes bills are sent out before Medicaid kicks in full-time care. Hopefully that is the issue with that bill you received.
I know I was at the business office twice for my own Mom who was in long-term care. Mom was self-pay, yet there were itemized items that weren't part of her monthly rent. Even after the visit, my head was still spinning.
We learn from each other!