Paying for Care Questions

1. Does my uncle have to tell the nursing home about his savings bonds?

   It sounds like your aunt will be applying for Medicaid. Medicaid is a program for people who are in need of long term care and do not have the resources to pay for it. Medicaid needs to know about all assets that belong to both spouses. Not disclosing assets is fraud. Yes, the state can recover back payments from the estate if they can prove there was fraud...
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2. Will Medicare pay for TMJ surgery?

   The answer is probably yes, but you should make sure with the surgeon's office before the surgery. Whether Medicare Part B covers it depends on the exact kind of oral surgery, and on who performs it. Medicare considers most oral surgery to be "dental" rather than "medical," and so does not cover it...
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3. Costs of Assisted Living/Memory Care Facilities are breath taking! Will they accept patients with early-sever state of AD?

   Thank you for adding that information.
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4. Can my 83 year-old mother receive any help to pay for in home care?

   As the surviving spouse of a veteran, your mother may be eligible for a widow's pension. This benefit provides up to $1,094/month to help pay for long term care, including home care. To qualify for the maximum, your mother's home care expenses plus any health insurance premiums, e.g. Medicare supplement policy, need to exceed her income...
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5. What's the Process for Replacing a Medicare ID Card?

   The Social Security Administration issues Medicare cards. To get a replacement card, contact the Social Security Administration -- which issues Medicare cards -- in one of several ways. To get a replacement card online, go to the Medicare replacement card page on the Social Security Administration website...
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6. How can I cash out of a life insurance policy to pay for medical or long-term care?

   A life insurance policy is intended to provide money to a survivor or survivors of the deceased policyholder. But for many people with a life insurance policy, it can instead be turned into a source of cash to help pay the insured person's own expenses...
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7. Is There Extra V.A. Help for Veterans Who Are Housebound or Can't Care for Themselves?

   A low-income veteran with wartime service who is unable to care for himself or is disabled and housebound might be eligible for V.A. Aid & Attendance (A&A) or Housebound benefits, which can be paid in addition to a low-income, wartime veteran's basic pension...
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8. Does the V.A. Have Pensions for Disabled, Low-Income Veterans?

   A low-income veteran may be eligible for a pension from the V.A. if the veteran meets all four of the following conditions:
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9. How to pay for mom's cancer treatment with no private insurance?

   Although your mother cannot get private health insurance, she may be eligible for Medicaid. Medicaid is a safety net that covers health care for people with limited income and resources. You should check with your state or county Medicaid office to determine if your mother is eligible financially...
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10. What Can I Do If My Insurance Company Won't Cover the Costs of Cancer Treatment?

    More than you might think. As many cancer patients have learned the hard way, it's quite possible to get a great deal more coverage from your insurance company for cancer treatment, but you'll probably need to be very aggressive about enforcing rules and pursuing appeals.
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11. Can I Get Financial Assistance if I Take a Leave of Absence From Work During Cancer Treatment?

    The first thing to do is discuss your situation with your employer. The Family Medical Leave Act (FMLA) allows employees to leave work for up to 12 weeks for medical treatment without losing their jobs. While the leave is unpaid, taking it -- as opposed to quitting -- allows you to continue your health insurance for at least 12 weeks...
    FAQ 1 Expert Answer, 1 Community Answer

12. How Can I Pay for Cancer Treatment With No Insurance?

    First off, realize you're not alone; 45 million Americans have no health insurance. While it makes getting treatment more difficult, lack of insurance doesn't mean you can't get treated. But you'll need to be proactive about getting healthcare, since you won't have the safety net of an insurance company and primary care doctor overseeing your treatment...
    FAQ 1 Expert Answer, 2 Community Answers

13. How Far Does Medicaid Look Back at Someone's Assets?

    Medicaid rules look back either three years or five years, depending on the date that the transfers were made. The Medicaid "look-back" rules have to do with whether giving away assets, or transferring them for less than full value, will disqualify someone from Medicaid coverage of his or her nursing home costs...
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14. What are Medicare Part A and Medicare Part B premiums, deductibles, and coinsurance amounts in 2010?

    Medicare premiums, deductibles, and coinsurance amounts change each year for Medicare Part A and Medicare Part B. (For people who receive their Medicare hospital and medical coverage through a Medicare Part C Medicare Advantage managed care plan, premiums, deductibles, and co-payments are determined by the plan itself, not by Medicare...
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15. What are the 2009 figures for Medicare Part D prescription drug plan premiums, deductibles, co-payments, and coverage gaps?

    Every year, the premiums, deductibles, co-payments, and coverage gaps change for Medicare Part D prescription drug plans. Here are the figures for 2009:
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16. FAQ: Are There Benefits for My Parents if They Pay Me for the Time I Spend Caring for Them?

    Yes, there are many benefits for your parents if they pay you for the time you spend caregiving. But for your parents to get the maximum benefit, you need to report the income and pay taxes on it. Even though this is a hassle, there are many good reasons for your parents to pay you and for you to report that income to the government...
    FAQ 1 Expert Answer, 1 Community Answer

17. Does long term care insurance cover the costs of a certified nurse aide (CNA)?

    First, check with your LTCi agent to make certain that you pay directly to the aide and be reimbursed, and not through an agency. Each policy is different as to what constitutes the event that triggers coverage, and what is covered and by whom. Your agent is the best one to cover this with you...
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18. Where do I start caring for my aunt?

    In a situation like this, the only option for your aunt may be a nursing home. However, in order to pay for one she'll need to apply for Medicaid.
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19. Are there state regulations governing the reimbursement by...

    Each state has a Department of Insurance that does regulate insurance practices within that state. To find the number for any particular state one can go to the National Association of Insurance Commissioners (web site www.naic.org/state_web_map...
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20. My wife and I have been in the USA for approx. 4.5 years. We...

    In general, no adult child is responsible for the debts of a parent except under one of several circumstances:
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