@@sswafford100 Medicare does not cover nursing home, under most circumstances. Medicare does cover "Short Term Care", which you could have after a qualifying hospitalization. Nursing homes also provide short term care, in many cases. So those nursing homes will take Medicare if it is just for short-term skilled nursing care.
They put a lein on your house, your spouse can claim spousal impoverishment, and live out their natural life in that house, before they sell / auction off the house. Same thing if you have a legally declared disabled adult child. But if one of your adult children quits their job and gives up their home to move in with you and take care of you and then you go into a nursing home, they don’t have any protection. I’ve seen women in their 60’s and 70’s have to scramble to find a place to stay that they can afford on what little social security they can get. It’s rough if someone hasn’t had a job in a decade or more.
If a Medicaid recipient manages to work their way out of poverty and has even a modest estate to leave their family when they die, the State wants to get their health care money back. Republican States don't want to provide any health care in the first place so they think it's fair. Some States can go after a Medicaid recipient's estate for health care premiums paid even if the deceased person never had a claim.
@rickyusa1000 if someone has Dementia and is in a nursing home, they aren't going to be able to "...pull themselves out of poverty". Doesn't make sense.
@@nona3904 I agree. State governments are just trying to seize assets from the estates of anyone who was ever on Medicaid and managed to accumulate anything to leave to their family when they die. They won't go after anyone who stayed poor.
Do people reliant on Medicaid ever have an estate to seize? I knew of a woman who got horribly disfigured by a dog attack and Medicaid grabbed her GFM for $200,000 but if she’d even had Bronze Obamacare she would have just paid the deductible.
Dad was in a nursing home for several months. They did not go after mom's home after he passed and they didn't go after me after my mother passed 2 years later. I lived in the home with no problems and still live and own my home.
That's not our experience. From our experience a person cannot get Medicare "care" until they are 65 but someone without resources can get medicaid "aid" before 65. Our experience was a loved one died, the spouse, over 70, had to go into nursing home and after 100 days in, Medicare attached to property and scheduled a sale and had an auction on the home and business assets because they weren't in a trust for 5 years. I think now it has to be 7 years. So I'm thinking you have the terms "aid" and "care" reversed but, maybe it is different in our state? We are in Tennessee. 🙏🏻< ~~~
Medicare typically does not cover long term care-nursing home. It’s Paid out of pocket - therefore the nursing home put a lien. If the person had qualified for Medicaid (yes, you can qualify for Medicaid and Medicare 65+ if very low income) - that’s what this post is about- they too can put a lien. She is a long-time established expert and owner of a Medicare selling agency. There’s no way she has intermingled terms. Medicare is federal so it’s the same rules nationwide. Medicaid is state/fed.
You look so pretty today! You’re always pretty but it’s extra today. Have you been out in the sun a bit? Anyway, you’re glowing and thanks for the info.
The other thing you are missing is that most « Nursing Homes « are not required to take anyone and some won’t take Medicaid even if you have it. They ask see your financials and often require a large up front buy in and monthly fees to see if you can pay for it or if you have long term care insurance for coverage. Nursing Homes, Assisted Living or Long Term Care facilities are for profit and are owned by entities like Private Equity firms that are for profit . That’s the reality. You are missing the details or maybe you are just posing the question ??
This may sound harsh but it can make sense in certain circumstances where those with financial stability and unlimited resources will take advantage of Medicaid which gives out I think 800,000 Billion a year. I hope this doesn’t sound cold. I do believe a government should take care of its people to a large degree, I’m for socialistic programs like public education, fire and police services, military, infrastructure, Social Security and Medicare/Medicaid. I’m also pro- Corporate Welfare too in some areas. It does make sense to recoup the costs of Medicaid in instances where the estate has the assets. Depending on your state, there are limitations.
Estate recovery because Medicare doesn’t cover long term care. Unfortunately that’s the way our system works . That’s why some of us purchase long term care insurance to off set the costs and hope that they don’t go bankrupt . Otherwise, you spend down to qualify for Medicaid. You can’t have a billion dollars and expect the government to pay. If we want something different like in other countries we have to fund it for everyone or you hope your family will care for you when many times older people out live them or they can not because they have to work and or raise their own Children. This has to be legislated and the health care system revamped if we want something different.
Medicare is your health insurance that you paid into during your working years or received thru a spouse or disability. No Medicare won’t come after you but if you have insufficient secondary insurance or none at all . The hospital and providers of care will come after you , and your estate ( if you die) . The million dollar Hospital bill is your debt . You sign that when you go into a hospital . If you qualify for Medicaid then they may pay some of the bills but your assets are attached first and you must qualify .
Probably has to do with hospitals being able to write off the losses. Most likely a better tax benefit for them. Could also involve being able to get government grants etc. If we really dug into it we would find out.
My red state we had a rep try to get a bill into the floor which would stop or limit estate recovery from Medicaid recipients but the bill had no Republican co-sponsors then couldn’t make it out of committee to even get to the floor. I think depending on your state there are not only limits but circumstances where you could get out of this process, eg there is a minor living in the house or it would make one homeless and other similar types of hardships.
No...bc Medicaid is billed directly to the gov (or Medicaid processors) and not to the beneficary. And there is a cap (in advance) on how much can be charged - an amount that's agreed upon (again in advance) by the provider. And bc it's intended fir lower income ppl, the cost are not likely to be anything ridiculous.
I wonder if setting up all the bank accounts with POD beneficiaries. With the POD account, as soon as the death certificate is received by representative, each beneficiary of a POD account can log into the bank and take that money without it going through probate.
My sister lost her money that my dad left her in his will bc she used welfare for her kids while she went through schooling and didn’t work. This was years ago. And sure enough the state somehow knew. Were she indignant she could have possibly avoided it. I guess it depends on the state .
Yes. Because Medicare is an entitlement, it’s an insurance program that you worked and paid for. Medicaid is welfare. If you have a million dollars, you shouldn’t be on Medicaid. The issue that’s messed up is that the welfare insurance, (Medicaid), pays for everything and the worked for and paid for insurance, (Medicare), pays for very little so people who have worked and contributed all their lives to society have to hide their assets to go on Medicaid welfare which should be bare bones bottom of the barrel nothing but is actually Cadillac care!!!!! What would make sense is if the Medicare people worked and paid for paid for everything. That way people could get their paid for care and keep their paid for estates and life would make sense. People who are welfare eligible shouldn’t expect or have much of anything.
Medicaid is also for the physically and mentally handicapped who are still too young to go on Medicare. For Children and young adults with Cerebral Palsy and Down Syndrome, Medicaid is their Healthcare Lifeline!
Not everyone who receives Medicaid IS on Welfare actually. Would you deny Health Care to a Quadriplegic, or someone with Cerebral Palsy or Down Syndrome? Medicaid gives Healthcare to many who truly both Need and Deserve it too! How we help our most Vulnerable in our Country says a Lot about us!
@@TheMedicareFamily well then I'm seeing stuff, you look 20 yrs younger, even the tan looks, even. Now tell me you don't have a tan?! 😂 I ain't mad at'cha!
@TheMedicareFamily very expensive one. For low income not low enough to get help if you have few dollars for emergencies. Health care is a joke when you are 65.
It dies not make sense. Another thing, I would say , " they are coming after you." Will you please say that the state paid the staff to take care of that person. The state paid for your meals. The state paid for your medications . The state paid for the bed and roof. So, where does the funding come from that paid for your stay? Think.
Exactly. There are an awful lot of Americans who think medical coverage is ‘free’ in countries with national healthcare. Or at least they think someone else is paying for it not people like themselves.
@@ggjr61of course you pay taxes. You just don’t have the overwhelming medical debt if something happens. You wouldn’t like our medical system in the US if you didn’t have a lot of money. You would question if you should go to ER or wait it out.
The reason is simple; Medicaid is state run, and they want their money back, because the state does not make enough money to finance all of that consistently. The government, or Medicare can afford to have expenses like that.
Partly true, but the assertion that the government pays for anything is so misleading to us people that understand where, or I should say who, "government" obtains its funding,. To be so generous to some, and then go back to their original benefactors and take more of their own laws allow them to do so, is only because of the beauracrats that were appointed by the same people that get kickbacks from every aspect of the corrupt, criminal enterprises associated and controlled by our own "elected representatives." I'll use this post to once again advocate for an Article V, Convention of States. You can find more info by searching online. I get flagged for providing the link here but that is the best and most effective override to get something done about the empty promises unkept by lying politicians. We need to clean house and fix things and that's the way. The days of bandaids and bs are well past the tolerance level over here. If government was compared to customer service with any business they would be closed. But they ARE the monopoly over all monopolies.
I don't understand this as the only people who qualify for Medicaid, at least here in Nebraska, are those with less than $4000 in assets (that includes life insurance) and must make less than $1650 a month in any income. What would there be for Medicaid to come after? 🤔 Also Medicaid will only pay for a nursing home if you qualify for a Medicaid Waiver which is another application to fill out and interview for AFTER first applying and getting Medicaid itself. Months and months long process and waiting for. There should be No estate to squeeze for money.😢
In order to qualify for Medicare, you are supposed to spend down your assets first. Once you’re out of money, the state, ie, you , me and all of the other taxpayers, will pay for your care from that time forward. However, you’re usually allowed to keep your house and some other assets. After you die, the state just asks to be reimbursed if there’s money left in the estate.
You need 3 days in the hospital to activate med A. Then they will pay for your rehab for a couple of weeks and then it all runs out and you get switched over to Med B or if you have no money Medicaid after applying.
