Long Term Care - Please Help!

New Topic Post Reply Printable Version
[ << Previous Thread | Next Thread >> ]

oldgrammy2
New Member


Date Joined Feb 2007
Total Posts : 1
   Posted 2/16/2007 11:40 AM (GMT -6)   
Hello all,

My name is Karla Johnson and I am a 67 year old woman from Texas (yeehaw!). Here is my situation, I hope someone has advice for me as I really need it!

I have self diagnosed myself with the early stages of alzheimer's disease. My mother got it as well and I went through the whole process from start to current day (she is in now in a nursing home). Anyways, I was able to find a website that guided me through the application process for Long Term Care in my state (LongTermCareInsuranceFinder.com) and now that I have the quote back for how much it is going to cost me, I don't know if I can afford it! I have looked everywhere and it seems the free quote I got back from them was one of the lowest so that is not the problem, it is just that I have been out of work for quite some time and my husband is long passed away. My funds are running out and I am not sure where to turn next. I fear that I will become a financial burden to my family if I can not afford to pay for this Long Term Care Health Insurance which I think I will very desperately need soon.

Does anyone have any suggestions as where I may seek state or government funding for my Long Term Care payments? Any information would be greatly appreciated as I am losing my mind day by day over this (literally!). Thank you!

-Old Grammy

ucforme
Regular Member


Date Joined Apr 2005
Total Posts : 72
   Posted 2/16/2007 2:52 PM (GMT -6)   

Hi Karla:

It doesn't sound like you're ready for a nursing home yet.  When you are and a doctor will confirm it, you can apply for medicaid as long as you don't have more than $2,500 to your name. 

Please don't worry about this process, we just went through it for my mom and the medicaid people were wonderful.  Once her funds were paid down, the nursing home gets her retirement and social security checks and medicaid pays the rest.  I know the government negotiates the monthly amount and pays about half what we pay privately (which was $8,700 per month), but nothing in terms of her care, room, etc., changes. 

Good luck and God bless!

 

 

 

 


Howlyncat
Elite Member


Date Joined Jan 2005
Total Posts : 24909
   Posted 2/16/2007 4:22 PM (GMT -6)   
Hun although your Mom had it I would strongly suggest having a neurological test done
To self DX is not the answer My mom will be gone one yr next mth and my step dad has it BUT I know I do alot of forgetting and I am always misplacing things the norm ....anyways I too was afraid like you n thought this was gonna be my life's end
I had worked as a geriatric nurse owned my own home til other diseases and illnesses made me have to sell and retire ....
I guess what I am trying to say is not to self dx please please I implore you to go and get tested professionally a family doc can set you on the right course
Keep away from checking the net I have had myself convinced I had everything from tumor to God knows what ......
I am not treating your concerns lightly at all but I honestly believe that the proper way to have this DX is thru a doc and go from there
I am sure glad you found us here and hope you will stick around
I am from Canada and have no idea how the monies or gov agencies work except for here but I honestly believe there is a definite difference in forgetfulness and getting older ( I am 53) and this Disease
Hope to see you post again
Take care hun and God Bless
There are resources on the side in yellow as well .......
Be well and please seek medical attention asap
Lyn
    Contribute today to support Healing Well Forums...Donate @
 
 
 Never compromise your self nor your dignity... 
 Dream, Reach and Believe ......
 
 
          ** When You FEEL Anothers Pain You FEEL Humbled ** 
 
   
                             
 Co Mod @ Crohns                                     
 Moderator@ Alzheimer's 
 Moderator @ Anxiety/Panic
 
                                     LYN
                                  
                          
                                  


Howlyncat
Elite Member


Date Joined Jan 2005
Total Posts : 24909
   Posted 2/17/2007 4:35 PM (GMT -6)   
Check out the NH posted and what the ratings are you will be shocked I am sure
Lyn
    Contribute today to support Healing Well Forums...Donate @
 
 
 Never compromise your self nor your dignity... 
 Dream, Reach and Believe ......
 
 
          ** When You FEEL Anothers Pain You FEEL Humbled ** 
 
   
                             
 Co Mod @ Crohns                                     
 Moderator@ Alzheimer's 
 Moderator @ Anxiety/Panic
 
                                     LYN
                                  
                          
                                  


Howlyncat
Elite Member


Date Joined Jan 2005
Total Posts : 24909
   Posted 2/19/2007 6:35 PM (GMT -6)   
If you get the chance could you post and let us know how you are doing please
Take care '
Lyn
    Contribute today to support Healing Well Forums...Donate @
 
 
 Never compromise your self nor your dignity... 
 Dream, Reach and Believe ......
 
 
          ** When You FEEL Anothers Pain You FEEL Humbled ** 
 
   
                             
 Co Mod @ Crohns                                     
 Moderator@ Alzheimer's 
 Moderator @ Anxiety/Panic
 
                                     LYN
                                  
                          
                                  


Howlyncat
Elite Member


Date Joined Jan 2005
Total Posts : 24909
   Posted 2/23/2007 5:57 PM (GMT -6)   
Bump
Still wondering how you are
Lyn
    Contribute today to support Healing Well Forums...Donate @
 
 
 Never compromise your self nor your dignity... 
 Dream, Reach and Believe ......
 
 
          ** When You FEEL Anothers Pain You FEEL Humbled ** 
 
   
                             
 Co Mod @ Crohns                                     
 Moderator@ Alzheimer's 
 Moderator @ Anxiety/Panic
 
                                     LYN
                                  
                          
                                  


SmurfyShadow
Veteran Member


Date Joined Dec 2008
Total Posts : 2386
   Posted 1/18/2012 11:53 PM (GMT -6)   
Considering you knew who you were, you honestly do not have Alheimers. Maybe dementia, but not what you are thinking. Some health insurances will cover for long term care, including Medicare and Medicaid. If not, call your local DHS office and ask for the elderly intaker. Some states, like here in Oregon, have depending on your income so many hours of in home help. If you really think you need a nursing home, which I think you dont, I'd recommend the following:

1. DO NOT make interviews to check out the place, just simply GO there and also talk to the residents there, they will tell you if they are happy there. If you find many people not happy, you don't want to be there.

2. I'd recomment something like Farmington Square (a place here in Oregon) because it goes from Assisted Living to the full blown nursing home depending on the level of care you need.
"The Walking Medical Mystery"

Too many Allergies / Too many RXs & DXs

A Rare Gem for Doctors and Guinee Pig
~Medical Caregiver and Doctors Worse Nightmare~

Betsey Ross
Veteran Member


Date Joined Mar 2011
Total Posts : 1056
   Posted 1/23/2012 9:07 PM (GMT -6)   
Here in Pennsylvania ppl can by what they call a cottage which is part of senior care. You are independent as long as you are in the individual cottages. When you become ill and need assisted living or skilled nursing care you get transferred to the appropriate building. It is expensive.

Local nursing homes take Medicare patients but they take a percentage of those patients and then private pay patients.

Please get checked out by a doctor and then you go from there.

Soft Hugs
Betsey
Age to a woman is like krypronite to Superman.

henritink
New Member


Date Joined Feb 2012
Total Posts : 7
   Posted 2/9/2012 11:05 AM (GMT -6)   
my mother in law has long term care insurance through AARP it costs 170 dollars a month. i know when we needed to use it for home health care we had to go through an approval process but they finally approved the home health care.
New Topic Post Reply Printable Version
Forum Information
Currently it is Tuesday, September 27, 2016 8:50 AM (GMT -6)
There are a total of 2,694,630 posts in 297,487 threads.
View Active Threads


Who's Online
This forum has 152179 registered members. Please welcome our newest member, ribbines.
320 Guest(s), 10 Registered Member(s) are currently online.  Details
0311, Serenity Now, Cicero2K, Depov, Dr WHO, Odhgert, Derwood, Tudpock18, Yankee, Old Mike


Follow HealingWell.com on Facebook  Follow HealingWell.com on Twitter  Follow HealingWell.com on Pinterest
Advertisement
Advertisement

©1996-2016 HealingWell.com LLC  All rights reserved.

Advertise | Privacy Policy & Disclaimer