I have to blog about this.
My mother's health is physically fine: she has no major systems causing problems, blood work is dandy (despite all her alcohol consumption!), no infections, no broken bones, no physical issues to speak of.
She is between stage 5 and stage 6 of dementia, out of 7 stages. This is a physical problem with the way her brain works (or rather, is no longer working). She cannot live alone safely. She cannot reliably feed herself, toilet herself, clean herself, care for her skin, nails, hair; she cannot do her own laundry or clean her own house. She thinks it's OK to pour hot coffee into her wine glass, or to ask why the dryer is full of water when she's opened the washer (and no, that one wasn't a word problem...she also has fairly severe aphasia).
Her insurance, which is Medicare plus an advantage insurance of good quality, considers her need for care to be only "custodial", not "medical".
Therefore, we have to find a facility that will accept her as a private pay patient, spend down her assets, and then convert her to Medicaid wherein the facility accepts her social security check plus the Medicaid reimbursement as full payment.
But here's the thing. The facilities don't like to do that. That's because if a patient is in a hospital for 3 days with a medical issue and is transferred to the facility, Medicare/insurance pays for the first 100 days. Then the patient pays if they have any assets, and then they convert to Medicaird. The facility cannot refuse them and cannot kick them out when they convert to Medicaid.
So the facilities use the private pay patients to cover the costs not covered by Medicaid. That's fine, right? We can put her in as a private pay patient until her assets run out, we don't have a problem having her pay her way as long as she can. Except. Except that facilities (at least here in Michigan) will insist the patient have 3-4 YEARS of assets before they even accept them as an admission as a private pay. Because they know that they cannot kick them out when they convert to Medicaid.
If she had a health problem other than dementia, and had been hospitalized, she would have been placed with no problem.
Because she is now healthy, and has dementia, and only has maybe 6 months worth of private pay assets, they may very well not take her.
What the heck kind of way is this to care for our elderly?
And before anyone lights into me with "family should be doing this", I would note that my brother *has* been caring for her for the past 2 years. It became untenable for her to be left alone a few months ago, and because he does have to work, he had to leave her alone, and she got to the point where she had lost enough weight we thought she was going to die. That turned out to be a sinus infection plus (hey, did I mention dementia?) wearing my deceased dad's lower dentures. Fixed those two things, she's eating well and gaining strength.
But she's still has dementia. And I came out to help and found that none of us 3 kids have the skills, abilities, or knowledge to properly care for her. It takes someone who has been properly trained. Also who is not themselves disabled (me) or working full time (both brothers).
I will continue to blog on this. I will continue to work to find good care for my mother. But the game seems to be fixed against us here. And that sucks.