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Medicare Should Cover Long-Term Care

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    Something that really bugs me about Medicare is that it doesn't pay for any nursing home care that last over 100 days. And that number is a bit high because Medicare only pays the full cost for the first 20 days and then requires the individual to pay $157.50 a day for days 21-100. Seniors who can't afford long term care are then forced to draw down all of their assets in order to qualify for Medicaid and enter a nursing home that accepts it.

    This just doesn't make sense to me. I see no reason why Medicare doesn't cover nursing home care that lasts over 100 days. I'm not suggesting that someone who can afford to pay for skilled care shouldn't have to, but I really don't see any reason why those who can't afford long term care insurance have to get rid of the vast majority of their assets just so they can receive end of life medical care.

    Am I missing something here or do you agree with me? I would love to hear a different perspective from someone who disagrees with my viewpoint.

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    That seems awful. I personally don't think healthcare is something that should break you. I feel like medicaid should cover at least 100 days

    Probably not much more than that though. If you need more that three months of home nursing then the problem is likely something that needs more serious, and efficient long term treatment.
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    My Grandmother drained her bank account because of long-term home nursing. We eventually had to sell her house and put her in a nursing home.

    Not exactly sure how to fix stuff like that from happening but money should be allocated to it

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    Jack F Wrote: Probably not much more than that though. If you need more that three months of home nursing then the problem is likely something that needs more serious, and efficient long term treatment.
    That is the problem though. Many, many seniors need more than 100 days of treatment in a long-term care facility. The way Medicare is currently set up forces these seniors to sell off nearly everything they own and transition over to Medicaid before they can continue to receive treatment. I just think that is a terrible policy.
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    Terrath Wrote:

    My Grandmother drained her bank account because of long-term home nursing. We eventually had to sell her house and put her in a nursing home.

    Not exactly sure how to fix stuff like that from happening but money should be allocated to it

    My grandparents had to do the same thing. My grandpa passed away many years ago, but my grandma has severe dementia and needs 24/7 care. She is as healthy as can be outside of her condition and has lived in her Medicaid operated nursing home for over a decade now. I just don't like the fact that we force people go essentially go bankrupt before they can be admitted to a long-term treatment facility. It doesn't make any sense to me at all.

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    Yea, I really don't understand why Medicare doesn't cover long term care. We are going to have to figure something out because Americans are living longer and longer.

    The status quo just doesn't work. Forcing an individual to go bankrupt just so they can get long term care is a terrible way to take care of seniors who need long term care. Hopefully we will eventually wise up and pass an amendment to the Medicare law that starts covering long term care for individuals who can't afford it otherwise.