jerseygirl
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Post by jerseygirl on Aug 28, 2022 18:24:46 GMT -5
Are these (Phil button) on the computer version? I just use my phone for this site
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 28, 2022 18:27:33 GMT -5
I'm curious about something so perhaps folks can weigh in with their recent knowledge. It's been 20 plus years since I've been in a LTC facility to see someone housed under Medicaid. It was horrifying and depressing. When you entered the front doors, you turned down one hallway for self-paid. Lovely fresh pastel paint, attractive chairs in the common area, clean-smelling, nice room with attractive prints on the walls etc. For Medicaid-funded, you turned down the other hallway. Institutional grey walls, no chairs, sterile common area, pervasive urine odor, stark room with minimal furnishings. Has anyone been to visit a friend or relative recently who is Medicaid funded? Do their accommodations differ from the self-pay units? How about quality of care? that sounds horrifying and like a dystopian tv show. I'm so sorry for everyone housed that way. I think my aunt was medicaid, but I'm not sure. This was about 20 years ago so not recent. Seemed decent enough, but aunt reported theivery of her little comforts. Socks, slippers, spending money, etc.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 28, 2022 18:28:13 GMT -5
Are these (Phil button) on the computer version? I just use my phone for this site I don't use the phone so can't say!
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Post by minnesotapaintlady on Aug 28, 2022 19:15:00 GMT -5
With my aunts and my rep payee clients, they didn't even change rooms when they went on Medicaid. None of the facilities I have been in as a separate hallway for Medicaid patients. This has been my (limited) experience. My step-grandmother went into LTC with dementia and was self pay for about a year or so, then went on Medicaid after the kids sold the house and that money was used up. She was always in the same room from the time she started there. However, I've also never been in a LTC facility that I thought would be a very pleasant place to live.
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CCL
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Post by CCL on Aug 28, 2022 19:51:06 GMT -5
I'm curious about something so perhaps folks can weigh in with their recent knowledge. It's been 20 plus years since I've been in a LTC facility to see someone housed under Medicaid. It was horrifying and depressing. When you entered the front doors, you turned down one hallway for self-paid. Lovely fresh pastel paint, attractive chairs in the common area, clean-smelling, nice room with attractive prints on the walls etc. For Medicaid-funded, you turned down the other hallway. Institutional grey walls, no chairs, sterile common area, pervasive urine odor, stark room with minimal furnishings. Has anyone been to visit a friend or relative recently who is Medicaid funded? Do their accommodations differ from the self-pay units? How about quality of care? A few years ago when I worked in long-term care facilities, there were no differences based on payers. Residents were all in the same areas and were treated the same. The facilities I was at were fine and residents were well cared-for.
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TheOtherMe
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Post by TheOtherMe on Aug 28, 2022 19:51:34 GMT -5
With my aunts and my rep payee clients, they didn't even change rooms when they went on Medicaid. None of the facilities I have been in as a separate hallway for Medicaid patients. This has been my (limited) experience. My step-grandmother went into LTC with dementia and was self pay for about a year or so, then went on Medicaid after the kids sold the house and that money was used up. She was always in the same room from the time she started there. However, I've also never been in a LTC facility that I thought would be a very pleasant place to live. I have never seen one I would want to live in either and that includes assisted living and independent living. My parents were in independent living. Even now, if anyone in the building tests positive for Covid, everyone isolates in their room. So most people are isolating much of the time. BIL's dad had Parkinson's and was in a nursing home for 17 years. After all the money they got from selling the farm, he didn't change rooms when he went on Medicaid. The nursing home only had double rooms and he was in the same bed for 17 years. Not a life I want.
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CCL
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Post by CCL on Aug 28, 2022 20:09:29 GMT -5
Phil button - On my phone I can go to the 3 dots in top right of screen. Tap that and select desktop site. Quote a post and it will bring up several options. Tap "Philification" next to the spoiler button.
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CCL
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Post by CCL on Aug 28, 2022 20:11:51 GMT -5
Not sure why the app changed the order of my screenshots, but I think you can still figure it out.
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Deleted
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Post by Deleted on Aug 29, 2022 1:14:20 GMT -5
Has anyone been to visit a friend or relative recently who is Medicaid funded? Do their accommodations differ from the self-pay units? How about quality of care? My Uncle went into LTC after my Aunt was no longer able to deal with his Alzheimer's. She'd inherited money from her family years ago so he was self-pay. They put him in a "Medicaid bed" anyway, which was basically a room with someone else on the other side of the curtain, because "there might not be a Medicaid bed available if he has to go on Medicaid". Just about the time she'd spent down to the max Medicaid allowed her to keep, they jacked up the rates. She moved him to another place and he died a few months later. So, she paid sticker price but he got only a "Medicaid bed" and they never had to take Medicaid reimbursement for him. That was in 2018 in Ohio. Fortunately, my cousins (Aunt's two sons) are both highly successful entrepreneurs and they'll take good care of her. She's one of the fortunate ones.
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jerseygirl
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Post by jerseygirl on Aug 29, 2022 11:17:49 GMT -5
Thanks for the detailed Phil button instructions CCL!!
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TheOtherMe
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Post by TheOtherMe on Aug 29, 2022 11:18:18 GMT -5
Nursing homes in this area are mostly double rooms with a curtain down the center. That's what my dad had and he was full pay. That particular nursing home only has double rooms except for the hospice room.
A double room with a curtain down the middle is not only for Medicaid patients in this area.
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swamp
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Post by swamp on Aug 29, 2022 11:28:52 GMT -5
I'm curious about something so perhaps folks can weigh in with their recent knowledge. It's been 20 plus years since I've been in a LTC facility to see someone housed under Medicaid. It was horrifying and depressing. When you entered the front doors, you turned down one hallway for self-paid. Lovely fresh pastel paint, attractive chairs in the common area, clean-smelling, nice room with attractive prints on the walls etc. For Medicaid-funded, you turned down the other hallway. Institutional grey walls, no chairs, sterile common area, pervasive urine odor, stark room with minimal furnishings. Has anyone been to visit a friend or relative recently who is Medicaid funded? Do their accommodations differ from the self-pay units? How about quality of care? My mom is currently in a nursing home. She started out as self pay and after 6 months converted to Medicaid. My dad has to pay about $100 a month for her care. She does not get any different treatment than the self pay persons. In fact, I am quite pleased with her care. however, I live in a poor rural area, so self pay people are a rarity.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 29, 2022 11:38:04 GMT -5
also thinking that the monthly cost of being in LTC would really be the cost minus whatever your SS payment would be. I think my SS would pay about 25-33% of the monthly cost so only about 67-75% would need to come from the estate.
How does that work out for those that go on to medicaid? Does medicaid pay on top of the SS payment? if Medicaid says we will pay 3k/month, ss income is 1500/month after medicare payment, and then they pay the other 1500?
And - where does medicare fit into this? So with LTC a lot of that is residential stuff, but some is medical such as medications, dr. rounds, etc. Think they must be billing medicare for something. For those who do have medicare.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 29, 2022 11:38:37 GMT -5
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 29, 2022 12:00:21 GMT -5
I think I will target a retirement community like the one above for when I am around 80-85. Both parents were very healthy and active at that age so I'd like to enter the retirement wing and hopefully stay there till a short trip to hospice, but would have option to move wings if necessary.
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Post by minnesotapaintlady on Aug 29, 2022 12:02:12 GMT -5
Looks like it starts at $3500/month for the independent living apartments, so I'm guessing the skilled nursing units are spendy.
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jerseygirl
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Post by jerseygirl on Aug 29, 2022 12:04:18 GMT -5
Maybe instead of independent living community just take cruises for a year . Lots more fun, good food , no cleaning going to interesting places etc
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Aug 29, 2022 12:24:03 GMT -5
Looks like it starts at $3500/month for the independent living apartments, so I'm guessing the skilled nursing units are spendy. My grandma pays $8900 a month for skilled nursing and they don't really do anything besides provide 3 hots and a cot. There are "enrichment" activities but those are not included in that $8900. I found that out because there was an extra $3.65 charge for the ice cream social on her August bill.
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jerseygirl
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Post by jerseygirl on Aug 29, 2022 13:34:04 GMT -5
Looks like it starts at $3500/month for the independent living apartments, so I'm guessing the skilled nursing units are spendy. My grandma pays $8900 a month for skilled nursing and they don't really do anything besides provide 3 hots and a cot. There are "enrichment" activities but those are not included in that $8900. I found that out because there was an extra $3.65 charge for the ice cream social on her August bill. That’s why a cruise would be better. If you could move around the room at least, bathe yourself, take your meds, get in/out bed and only need Dr or nurse for occasional cold, seasickness
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wvugurl26
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Post by wvugurl26 on Aug 29, 2022 13:58:49 GMT -5
I agree that for $8900 a month, the least you can do is give the old lady a scoop of ice cream.
I guess the Medicaid patients get no activities?
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 29, 2022 14:42:39 GMT -5
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 29, 2022 14:52:00 GMT -5
Looks like it starts at $3500/month for the independent living apartments, so I'm guessing the skilled nursing units are spendy. that seems pretty reasonable to me! Assuming it is all inclusive, all food, utilities, onsite activities, etc. Maybe extra for field trips....just like school. But I guess downside is that it is only rentish, not mortgage, so nothing building. I think some regular retirement communites you can purchase condos rather than renting. wonder if any of those have options for assisted/skilled care as an add on? Wow - so if that were the case, image an old folks condo as part of the estate portfolio? lol, have a real estate pipeline of the house to raise the family, a condo on golf course with tennis courts and pool over 55 type complex, and then the condo for the retirement/assisted living/skilled nursing....then you have generations just filter through them for different life stages
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jerseygirl
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Post by jerseygirl on Aug 29, 2022 15:02:35 GMT -5
Gaaad that cruise is horrid. We used to sail bareboat by charters and I swore I’d never go on one of those huge floating hotels Till my DSis was unable to fly and couldn’t travel as it was our pleasure for years, Took a cruise to Bermuda on Royal Caribbean. Used cruise ship as hotel for 3 nights in Bermuda We rented a cabin with balcony and one of the restaurants was open air so could see water. I was very surprised to see the population was a mix of ages, not mostly seniors The crew was exceedingly kind to handicapped people! Cruise line provided ASL interpreters for deaf people for shows, interacting with restaurant etc
Crew members always stepped in to help people in wheelchairs, mentally challenged etc navigate restaurants, unobtrusively cut up meat etc I surprised myself by enjoying very much. With balcony and outdoor restaurant felt like a boat! Liked to get up early and see ship sailing into port. Took tour of kitchens and immaculate Also went on art cruises and enjoyed the talks etc
Also went on Norwegian and it was also enjoyable, was planning to try silver seas but sadly my DSis died and Covid hit
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Aug 29, 2022 15:08:13 GMT -5
I agree that for $8900 a month, the least you can do is give the old lady a scoop of ice cream. I guess the Medicaid patients get no activities? I have no idea. If you go to the website the home makes a big production out of telling you how much enrichment and activities they do for seniors. There is nothing on there stating they are going to nickel and dime you for it. And who is going to tell the nursing home no grandma can't have ice cream because it costs $3.89?
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Post by minnesotapaintlady on Aug 29, 2022 15:13:20 GMT -5
Looks like it starts at $3500/month for the independent living apartments, so I'm guessing the skilled nursing units are spendy. that seems pretty reasonable to me! Assuming it is all inclusive, all food, utilities, onsite activities, etc. Maybe extra for field trips....just like school. But I guess downside is that it is only rentish, not mortgage, so nothing building. I think some regular retirement communites you can purchase condos rather than renting. wonder if any of those have options for assisted/skilled care as an add on? Wow - so if that were the case, image an old folks condo as part of the estate portfolio? lol, have a real estate pipeline of the house to raise the family, a condo on golf course with tennis courts and pool over 55 type complex, and then the condo for the retirement/assisted living/skilled nursing....then you have generations just filter through them for different life stages The $3500 was for a 1 bedroom independent living apartment. No meals, so basically just a senior apartment. You have to transition to assisted living to get the meals, housekeeping and services. I couldn't find any pricing for that...or the next level...skilled nursing.
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Post by minnesotapaintlady on Aug 29, 2022 15:17:28 GMT -5
I went on an Alaskan cruise with the boys 5 years ago. It was awesome. Not crowded or rowdy at all and I shared an interior cabin with a 15 and 7 year old, but we were hardly ever in there. If I had a balcony one to myself? Nice.
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wvugurl26
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Post by wvugurl26 on Aug 29, 2022 15:21:56 GMT -5
Oh I would pay for the ice cream too but it's irritating for sure.
I was pricing assisted living apartments for my uncle earlier this year. They were $3k/month and up. Way out of his price range. He moved into my grandma's house instead and that hasn't been ideal. It's frustrating in so many ways. But that's about all he can afford.
They looked nice but they were far more than he could pay per month.
It's a massive crap shoot trying to estimate and save to cover these costs.
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Deleted
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Post by Deleted on Aug 29, 2022 15:30:39 GMT -5
Looks like it starts at $3500/month for the independent living apartments, so I'm guessing the skilled nursing units are spendy. that seems pretty reasonable to me! Assuming it is all inclusive, all food, utilities, onsite activities, etc. Maybe extra for field trips....just like school. But I guess downside is that it is only rentish, not mortgage, so nothing building. I think some regular retirement communites you can purchase condos rather than renting. wonder if any of those have options for assisted/skilled care as an add on?Wow - so if that were the case, image an old folks condo as part of the estate portfolio? lol, have a real estate pipeline of the house to raise the family, a condo on golf course with tennis courts and pool over 55 type complex, and then the condo for the retirement/assisted living/skilled nursing....then you have generations just filter through them for different life stages There are several in our area somewhat like that. You buy in to the development for around $300,000 and play a monthly fee of about $2,000. The monthly fee covers exterior maintenance and use of things like the pool and recreation center. Interior maintenance is on your nickel, not theirs, and all utilities are extra. There's another section of the development that offers assisted living but that's totally separate financially. I don't know if you actually hold any equity in your living unit.
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Deleted
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Post by Deleted on Aug 29, 2022 15:38:25 GMT -5
We've looked at several active senior over-55 apartment communities and they are around $3000/month once we price in garage rental, burglar alarm and other monthly amenities plus utilities. They do have a shuttle bus that goes to local groceries and other shopping venues weekly, and the rent covers pool, gym, outdoor kitchen, etc. Most onsite activities are free, but there is a small charge for the whiskey, wine and cigar tastings.
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Deleted
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Post by Deleted on Aug 29, 2022 15:50:40 GMT -5
Oh I would pay for the ice cream too but it's irritating for sure. I was pricing assisted living apartments for my uncle earlier this year. They were $3k/month and up. Way out of his price range. He moved into my grandma's house instead and that hasn't been ideal. It's frustrating in so many ways. But that's about all he can afford. They looked nice but they were far more than he could pay per month. It's a massive crap shoot trying to estimate and save to cover these costs. It's a crap shoot indeed. And there are always unforeseen costs. A friend of mine's dad was in an independent living apartment for about a year before he had to move to assisted living. The monthly rent included weekly cleaning and laundry service, but his worsening incontinence required more frequent linen changes and laundry which was an additional fee. Fortunately he had the $$ but it was hard on his dignity to have to call for linen changes.
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