Think this situation never happens? In today's mixed up world of
hospital reimbursement, you'd be surprised how often it does. Here
are some tips for when it happens to you:
- You'll likely get advice and options from the doctor and
hospital discharge planner, but always try to visit the facility
before deciding on a placement. There are many online resources
that offer ratings, like Nursing Home Compare, which is compiled by
Medicare. However, this rating system evaluates mostly paper
compliance. Trust me; you'll want to visit a facility before making
a decision.
- While Medicare provides great coverage for hospital stays, it
provides only temporary coverage in a nursing home/rehab facility.
If you anticipate a long term stay, you need to know that after the
Medicare period, you are responsible to pay privately (see point
#3).
- Medicaid (Public Aid) may be an option for those with limited
resources after Medicare benefits are exhausted. But beware; many
of the best facilities may not accept Medicaid. Save yourself
precious time by calling first to find out if the facility accepts
Medicaid. This is important because nursing home/rehab care is
expensive; even if you have resources available, they can be
quickly exhausted on an extended stay.
- Consider the alternatives to a nursing home/rehab facility that
may also meet your loved one's needs. Assisted living or home care
may both be options -- or they may be needed following a brief
Medicare covered stay.
Finally, peruse the list below for some online resources that
can assist you in your search:
This is an important and stressful decision. I hope this
information helps guide you to a great fit for your
circumstances.
Bill Lowe, CMSS President (wlowe@cmsschicago.org)
Chicago Senior Living
Assisted Living
in Chicago