Nursing home plans

[vic120]

I know there are non commissionable

But I had a client who is now in nursing home, and his premiums is over $200 on his supp and they are not giving him options at nursing home, he will be there long term and I doubt his supp will cover him too long

Him and his wife have been long time clients, where can I send his wife for info or to talk with someone? Is UHC the best or is there a way to get info

This is GA but also would like to know generally as well because this may come up again

 

[Special Agent]

I know there are non commissionable

But I had a client who is now in nursing home, and his premiums is over $200 on his supp and they are not giving him options at nursing home, he will be there long term and I doubt his supp will cover him too long

Him and his wife have been long time clients, where can I send his wife for info or to talk with someone? Is UHC the best or is there a way to get info

This is GA but also would like to know generally as well because this may come up again

i use to enroll NH patients in the UHC ISNP plans and the service coordinator at the NH will have the hook up with UHC or find the UHC telesales number and they will route call.Has o be a NH that has a UHC ISNP contract which are usually the lower rung facilities.

If there providers are in network or the the visiting pcp to the NH will accept and they are ok with using the SNF within the NH it can work great because the unique thing with these plans is the PA or NP that UHC employs that also makes rounds at the NH serving as an extra pair of eyes on resident for PCP and family members.

 

[Millwood]

This is state specific. If clients are going to be on Medicaid some states will carve out for payment of the Medicare Supplement.
Again State specific.

 

[Fisher]

he will be there long term and I doubt his supp will cover him too long

His med supp has no say in the matter - it's Medicare that does not cover LTC costs.

 

[vic120]

His med supp has no say in the matter - it's Medicare that does not cover LTC costs.

I am sorry if I did not specify enough for you, but the results are the same
its custodial at that point, not medical, if you want to really get technical

does that make you feel better

 

[Fisher]

You just know that some noob is going to read that and think that supps can kick folks out of a nursing home and then we've got even MORE misinformation running around willy-nilly on the streets and then my phone rings with clients demanding answers as to why they're going to get kicked out of nursing homes... Words matter.

Don't take it personal, Vic - I have a terminal case of AEP psychosis. *deep breath*

 

[vic120]

You just know that some noob is going to read that and think that supps can kick folks out of a nursing home and then we've got even MORE misinformation running around willy-nilly on the streets and then my phone rings with clients demanding answers as to why they're going to get kicked out of nursing homes... Words matter.

Don't take it personal, Vic - I have a terminal case of AEP psychosis. *deep breath*

I have a terminal case of AEP psychosis. *deep breath*

you and me both

 

[annon123]

The other thing to be aware of is some of the help out there takes most of the patient's social security each month and can leave them as little as $66/mo (this state) for anything they need that the nursing home doesn't provide. The amount taken is state specific. Also if, eventually, Medicaid gets involved, anything Medicaid paid will be billed to the estate. If the estate doesn't have enough to pay (and there are some exceptions as to what can be touched if there is a spouse) they won't go after the spouse. Transferring assets now won't help as there is a 5 year look back.