Feeds:
Posts
Comments

Posts Tagged ‘Medicaid Law Changes’

The costs of long-term care continue to rise.  The average cost of one month in a nursing home, according to the State of Michigan, is now at $6816 per month or almost $82,000 per year.  The hourly cost of home care is $20 or more per hour.  This is more than most people can afford.  A recent Harvard study noted that 69% of single individuals and 34% of married couples would use up their life’s savings after paying for a nursing home for less than a year.  In addition, these same individuals also cannot afford the high cost of long-term care insurance.

Therefore, getting funding to pay for the high cost of long term care is very important.  The government program that provides help in paying for the cost of long-term care is Medicaid.  Unfortunately, the government has very strict rules about assets that must be met before it will pay for these high costs.  The rules are very different depending upon whether the person is pre-planning or crisis planning. (more…)

Advertisements

Read Full Post »

On March 21, 2010 the Patient Protection and Affordable Care Act (PPACA) became law. Some provisions of the new health care bill signed by President Obama will directly benefit senior citizens.

First, there is a new federal long-term care insurance program that can help meet the staggering cost of long-term care.  This part of the new law is called the “Community Living Assistance Services and Supports Act” or the “CLASS” Act.  This federal insurance provides up to fifty dollars ($50.00) per day (approximately $1500 per month) for persons to use when they need help with the activities of daily living. (more…)

Read Full Post »

With all of the constant changes in the Medicaid laws, seniors and their families need to keep up-to-date to make sure their care needs are provided for.  In this post I hope to highlight some of the important recent changes:

1.   Estate Recovery – While the estate recovery law that permits the state to “take” the home was passed in September of 2007, the law is not currently being enforced.  However, the state is working with the federal government to find a version that will be approved by the federal government.  Apparently Lansing is working on some additional legislation.  When that passes and is approved it can be applied for care costs dating retroactively back to September of 2007. (more…)

Read Full Post »

In the past I have discussed various ways of paying for home care though the Veteran’s programs and private pay.  In this post I will discuss how and under what conditions Medicaid will pay for long-term care services provided in a person’s home.

While senior citizens usually think of Medicaid as a program that helps pay for nursing home care, there is the option of having Medicaid pay for care in the home.  The Medicaid program that handles home care is called the “MI Choice Waiver Program.”  It provides home and community-based services for aged and disabled persons who, if they did not receive such services, would require care in a nursing home. 

The MI Choice Waiver Program is administered by various branches of the Area Agency on Aging.  A list of the branch offices and the counties they serve can be found at: http://www.mfia.state.mi.us/olmweb/ex/pem/106.pdf. (more…)

Read Full Post »

A recent case in Connecticut shows how the fallout from the new Deficit Reduction Act is hurting not only nursing homes and their residents, but the residents’ families as well.  In the case of Glastonbury Healthcare Center, Inc. v. Esposito, the nursing home successfully sued the adult son of a resident for over $100,000.  This has sent up a loud warning for those families who are tempted not to plan ahead for their long term care needs.  It also sends a warning to facilities that assume patients can handle the Medicaid process without professional help.

 

In the Esposito case the adult son, Carmine Esposito, signed an Admissions Agreement when his elderly mother entered the nursing home.  He signed it under the power of attorney from his mother.  He did not sign it personally as the Responsible Party.  Among other things, this document contained the provision that the Responsible Party agrees to “act promptly and expeditiously to establish and maintain eligibility for Medicaid assistance.”  (more…)

Read Full Post »

Persons faced with the possibility of a nursing home stay in the near future have in the past transferred a certain amount per month out of their name.   That was a legal possibility under the old law.  It is not under the new law.

Under the old law, the state set a monthly “divisor” amount.  This is based upon the average cost of one month in a nursing home and is currently about six thousand dollars ($6000).   Thus, for every $6000 a person transferred out of their name, the state would impose a one month penalty.  During that penalty period the person could not get Medicaid.  In Michigan, all fractions were dropped.  That meant that if anything less than 1 was transferred, there would be no penalty at all.  For example, if a person transferred $5400, that is .9  of the $6000 divisor.  Since the Michigan law said that all fractions should be dropped, there was no penalty.  If the person transferred $11,400, or $6000 x 1.9, the fraction would be rounded off to 1, and there would be only a one month penalty.  (more…)

Read Full Post »