Consider the Cost Of Living
If they need long-term care, however, Medicare will not pay anything more than those first 20 days. Medicaid will usually take over half of the expenses of an extended or permanent stay at a nursing facility, but they stipulate that the senior must live in a Medicaid nursing home and have at least one roommate. Depending on your finances, though, you do have other options available to you.
Funding a Long-Term Nursing Home Stay
Most nursing facilities that accept Medicaid also accept privately paid residents. Sometimes paying out of pocket is the best way to keep your loved one close to home. If local Medicaid facilities are full, your loved one could be transferred to a location hours away. This can be devastating for seniors, and it can be extremely difficult for the loved ones left behind. It also makes it much more difficult to check in on your beloved senior and ensure their well-being if they are so far away.
Paying privately for your loved one’s living arrangements can also mean more privacy for them since you have more of a say in what kind of roommate situation they will have. However, if private funds run out and they have to switch to Medicaid, the nursing home can transfer them to a lower-cost room without your permission. This includes a room shared by multiple residents, subjecting your loved one to a more confined living space with less privacy.
In order to maintain the quality of life you want for your loved one, you will need to budget finances accordingly. Do your best to plan out how many years they might be staying at their facility and how much money is needed each month in order to keep them as comfortable as possible while they are there. Many times, it is simply a matter of transferring their funds from their previous living arrangements and grocery needs to their new home, where food and utilities are included in the cost.
Consider Your Loved One’s Specific Needs
While you’re looking at each option, talk to the staff members there to ensure they can provide extensive care such as assistance with getting dressed, going to the bathroom, bathing and taking medications if needed.
Also, see if it’s possible to venture around unsupervised. This will allow you to get a feel for the facility without the pressure of a staff member nearby. More importantly, it can give you the chance to talk to other members of the community to get their thoughts and feelings on their home. Don’t be afraid to talk to the other residents and ask questions; the future of your loved one could depend on what they have to say.
If Your Loved One Has Experienced Abuse In Their Nursing Home, We’re Here to Help
Unfortunately, there are still nursing home facilities out there that do not live up to the standards and ethical code they are held to. In these cases, residents can experience abuse at the hands of the facility’s staff.
If you suspect your loved one is suffering from nursing home abuse, you should contact a trustworthy nursing home abuse attorney like those on our team at Stewart Bell, PLLC. We’ve been helping West Virginians seek justice for decades, and we’re here to help you through this difficult time.
Get in touch with our team today by giving us a call or filling out our online form.