<p>In order to have Medicaid pay for long term nursing home care, there is a certification process involved to document need for that level of care. A nurse may be sent to do this independent assessment. Ability to ambulate safely, manage activities of daily living (bathe, food prep, take care of medical needs), cognitive status and medical diagnosis are considered. There is a process of being approved for Medicaid funding once the medical criteria is met and it requires a lot of paperwork gathering and a “look back” period of many years (forget exact number-all on-line) to ensure that assets were not gifted to avoid nursing home payment. There are organizations that will help with this and some facilities absorb the fee (though not all). There can also be complex legalities when one spouse requires skilled nursing and the other must retain a residence. Elder law attorneys can be helpful in anticipation of this. It can take time to have application processed. </p>
<p>Now here’s the thing about nursing homes - many want private pay time in their place in advance of a resident potentially going on Medicaid. I was told ten years ago to reserve at least $60,000 per parent as a way to increase likelihood that they get into excellent care and have more choice. This may vary by facility and location, with that number potentially low for today. I would assume nothing and talk with intake people at all desired places in advance. How is one admitted? What percentage of new residents start as private pay and how long are most residents private pay? Do they offer help with the Medicaid application? Pro-activity is important. I would not want to be approaching facilities for the first time with a completely depleted bank account and a jumble of financial records, as there could be a lot of pressure added. For my parents, entering a comprehensive facility at an Assisted Living plus level (included med dispensing and ordering, nurse around until 10 pm daily, ability to manage viruses, oxygen, etc) worked well, with my father entering skilled nursing level memory care at age 88. I also suggest that one not rely solely on one place. Management can change and turn over rates aren’t always a sure thing. I moved my father to skilled nursing in part because the year before I moved him, there was not a bed available there for over 10 months. He was entitled to be there as the place makes a lifelong commitment to their residents (go non-profits), but it wouldn’t have mattered. If he became ineligible for assisted living due to deterioration during that time, it would have been highly problematic. </p>
<p>I wish us all the best with this. It is not for the faint of heart. I agree with others who say at a certain point people are not making enough sense to drive the bus. We have to fortify ourselves to re-define what honoring and caring for our parents in this phase of life means. There is such a thing as enough rope to hang themselves. It may just be about not making the wrong thing possible, which fortunately helps make the right answer emerge. And when it’s our turn, I hope I have the grace not to demand the impossible from our kids. </p>