My father is in the hospital due to a fall and some other health issues. Long story short, when he is discharged, he will need round the clock care and I'm unable to do this for various reasons. I've been doing some research and I have discovered that Medicare does not pay for Assisted Living. I'm not sure of his financial situation but I know I'm also unable to pay for or even help pay for it.
Please remember that they CANNOT force you to sign for his discharge, nor can they force you to provide him hands on care.
You tell them that you are about to move and that he has no one to care for him at home. Do not cave if they try to guilt you .
That dad needs a nursing home is good news for you because you will finally be free of your dads unreasonable demands on your time and on your life.
If he requires a nursing home and has no money dad will have to get medicaid and it is paid for that way.
Do not sign anything regarding dad getting admitted to the nursing home, otherwise you could be on the hook for said payments.
Wishing you all the best and continued strength ~
Medicare is a health plan and Dad should have a supplemental too. But with Rehab the first 20 days are paid 100% by Medicare. 21 to 100 days are 50% paid by Medicare and Dad is responsible for the other 50% unless his supplemental picks up the 50%.
Dad sounds like he needs Skilled Nursing so tell the Social Worker that Dad will need to be transferred to Long-term care because there is no one to care for him at home. It would be an "unsafe discharge". If Dad has savings he will need to pay for his care in LTC, about 10k a month, depends on where u live. When his savings is gone, he will need to apply for Medicaid. His social security and any pension will then go to help offset the cost of care and Medicaid will pay their share. With me, Mom had 20k. This paid for 2 months in LTC. Gave me time to get Medicaid applied for and get them info needed. The 3rd month Medicaid started. Easier to get them in care if pay privately for even a few months.
If Dad has no money other than his monthly income, Medicaid application will need to be started ASAP. Having in home care 24/7 will cost just about what it cost for a NH. Your are working with people who have lives so they get sick, a child gets sick or they just don't show up.
Nurse? An RN can be $40 to $50 an hr., LPN a little less, an aide maybe $20 an hr. At $20 an hr an aide for 3 shifts is $9600 a month. Might as well place him in LTC and no hassle. Thing with an aide, they are not medically trained. They are not allowed to handle meds or give shots unless certified to do so.
You need to talk to the Social Worker/discharge planner and tell them Dad cannot return home.
Please remember that his "wants" do not mean that you have to sacrifice your life to make them happen.
Your needs count as much as his. Dad has other options (long term care); YOU need to support yourself as you have no other options but abject poverty.
Listen carefully to what the discharge planners tell you about dad's needs post_rehab. You probably need to be looking for a rehab that also has long term care on the same campus, and one that accepts Medicaid, perhaps after a few months of private pay.
If your father needs 24-hour care, then he will have to apply for Medicaid if he cannot pay to have someone come in to fill in for the remaining time during the day. If your father has limited income and resources, he will qualify for Medicaid and he can then apply to a Medicaid SNF where he will get the 24-hour a day care.
The difference between Medicare and Medicaid is that Medicare is medical insurance for the elderly and the disabled. Medicaid, on the other hand, is for people who have limited income and resources (poor people). Your father can get both Medicare and Medicaid if he qualifies for Medicaid.
You can Google Medicare.gov to get more information. You can also call your state Medicaid office to find out if your father qualifies for Medicaid.
I don't think you want to be dad's case manager.
Also, is he likely to "fire" the aides and demand you attend to him?
That sort of program works with cooperative elders. Your dad sounds anything but.
Just remember that just because dad wants to go home does not equal that you need to enable that.
Our PACE is set up to be a day program where they go 2-4 days a week with transportation provided and spend a fairly long day and all their health care is now funneled either done at the center or to their partner healthcare institution(s). Meals & activities as well. In-home visits if needed. But has to have the on site family “case manager”.
For us, it’s run by the healthcare division of Catholic Charities and they partner with Tulane / LSU teaching hospital systems. CC also has low income housing and congregate living places, so CC can draw from that population to find folks to be enrolled.
If you go onto PACE, your Medicare gets a new # AND the program is designed for you to become a “dual” so on Medicaid for your secondary health insurance. With a Medicare as the primary but they both fold into the PACE system and PACE gives them a new #. If you have an other health insurance, it’s given up and you go onto Medicaid although this has been successfully challenged.** The new # is billed AND all your care is directed by the PACE within their partners facilities IF care cannot be done at the PACE. If care plan gets beyond PACE capability, the PACE deals with getting them placement into a NH and onto LTC Medicaid. Healthcare coverage is limited to the PACE network, which is local, so if you travel, that’s a problem.
*the 1st center was done at an old Catholic Church and nunnery and it drew from CC existing outreach & programs for low income folks. Is pretty fabulous as ton of $ donated by wealthy benefactor & new wf in honor of old wf who a devoted Catholic.
** 2nd center has totally different demographics. Lots of oil & gas retirees with $, great employer based secondary health insurance as retirement perk. Lots of couples, who own and live in their home, where only 1 needs a day program. These folks aren’t going on Medicaid and they most certainly don’t want State Medicaid program being able to do Estate Recovery if they can help it. They aren’t being told what to do for healthcare providers and not able to travel without worry of 1 being uninsured. LSS a group filed a challenge to “dual” requirement and won. So now to enroll in PACE all you need is Medicare & have health concerns that the PACE program can deal with but have to pay a monthly fee. The costs vary but tend to be abt 3K a month.
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