Alzheimer’s, Medicaid and the Problem of “Too Much Income”

payingforalzheimerscare
Brian Willie
There are times when someone with Alzheimer’s must go into a nursing home and must apply for Medicaid to help pay for some or all of the costs. But, what happens when the Medicaid agency tells you your loved one with Alzheimer’s has “too much income” to qualify? Depending on your state, certain states are known as “income cap” states. This means that if your family member has over a certain amount of income, they exceed that “cap” and may not qualify for Medicaid. But wait a second–not so fast.

In many income cap states there is.....read the whole post

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Alzheimer’s and Home Health Care

payingforalzheimerscare

Brian Willie
For many families, home health care is the way to go to take care of their loved one with Alzheimer’s. That is, at least for awhile. There are some very good home health care providers, but they can be very expensive. The average cost is $16-24/hour. For the family that needs moderate levels of help, this may not be bad, but as care needs increase, and more and more hours must be spent on home health care, the Alzheimer’s family will face tremendous expenses. I recently met with someone who runs a home health service and she told me that it’s not uncommon for round the clock care to cost as much as $3,600 a week!

We will talk more about how a little known Veteran’s Benefit can.....read the whole post

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Alzheimer’s Disease and Annuities

payingforalzheimerscare
Brian Willie
This is more of a warning than anything. For families facing Alzheimer’s-you must always be on the look out for unscrupulous financial planners and annuity sales people. Now don’t get me wrong, there are certainly reputable, good people out there who sell these products. The problem is, people with Alzheimer’s have a very high chance of needing skilled nursing care in the future.

This also means that they may very well need.... read the whole post

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Boston Legal and Alzheimer’s Disease

Paying for Alzheimer's Care
by Brian Willie
As a fan of the show, I thought I’d share this. Be sure to watch and pass this on.
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Denny Crane has Alzheimer’s Disease

Please tune in to the Boston Legal series finale Monday night on ABC, 9:00 Eastern/Pacific, 8:00 Central. The double-episode will feature Denny Crane’s struggle with Alzheimer’s Disease in the workplace, and his plans for dealing with the disease. Please forward this to friends and family.

See the new page and....read the whole post

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Medicare and Alzheimer’s Disease

payingforalzheimerscare

by Brian Willie

Did you know that Medicare does not cover most of what a person with Alzheimer’s needs? Many people confuse Medicare and Medicaid. I like to look at it this way: Medicare only cares if you are “lucky” enough to have the right disease! I know –it sounds absurd. But it’s true. If your family member had a stroke and needed rehabilitation in a skilled nursing facility following a hospital stay-Medicare probably cares about her and will pay-at least for awhile. If on the other hand your loved one has Alzheimer’s and needs that same skilled nursing stay-Medicare no longer cares. In that case other methods of paying must be explored.

For great tips, tricks and techniques on helping to pay for Alzheimer’s care visit: http://www.PayingForAlzheimersCare.com and get my FREE Ebook today

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Alzheimer's,dementia and Medicade

payingforalzheimerscare

Alzheimer’s and Medicaid: How Alzheimer’s Families Deal With the Challenges of New Laws

I’m still dumbfounded that Congress determined it was necessary to
change Medicaid Planning techniques that were available to the
the family facing Alzheimer’s. But, not all is lost. There are still many ways your loved
one can qualify.

What is Medicaid you ask? Well, it’s complicated.

This is a federal and state funded and state administered medical
benefit program which can pay for the cost of the nursing home if
certain asset and income tests are met.

There are basically four ways to pay for nursing home care:

1. Private Pay. This is the method many people with Alzheimer’s are required to use
at first. Quite simply, it means paying for the cost of a nursing
home out of your own pocket. Unfortunately, with nursing home bills
averaging between $4,000 and $4,500 per month in our area, few
people can afford a long term stay in a nursing home.

2. Long Term Care Insurance. If you are fortunate enough to have
this type of coverage, it may go a long way toward paying the cost
of the nursing home. Unfortunately, long term care insurance has
only started to become popular in the last few years and most
people facing a nursing home stay do not have this coverage

The first two methods of private pay (i.e. using your own funds)
and long term care insurance are self-explanatory, our discussion
will concentrate on Medicare and Medicaid.

3. Medicare - This is the national health insurance program
primarily for people 65 years of age and older, certain younger
disabled people, and people with kidney failure. Medicare provides
short term assistance with nursing home costs, but only if you meet
the strict qualification rules.

4. Medicaid - This is a federal and state funded and state
administered medical benefit program which can pay for the cost of
the nursing home if certain asset and income tests are met. Since
the first two methods of private pay (i.e. using your own funds)
and long term care insurance are self-explanatory, our discussion
will concentrate on Medicare and Medicaid.

Medicaid has traditionally been.......read the whole post

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Paying for Alzheimer's and dementia care

payingforalzheimerscare.wordpress.com
by Brian Willie
Brian explains how families can pay for the extraordinarily high cost of Alzheimer’s care
For great tips, tricks and techniques on helping pay for Alzheimer’s care visit: PayingForAlzheimersCare and get the FREE Ebook by Brian today.
Do not forget to watch the video by Brian

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