Are your parents in a nursing home paid by Medicaid? Are you concerned the program will get cut?

[Anonymous]

Anonymous wrote:They have to cut to pay for some of the continued and new tax breaks. Cutting feds is a drop in the bucket. I am sorry they have to cut benefits.

They don’t have to do this. They are choosing to do this.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you’re in Maryland and under Maryland Medicaid, your elderly parents can get home care at home paid by Medicaid if they aren’t bad enough to be institutionalized but need a daily caregiver to come in and cook, clean, bathe them and go to the grocery store for them. Medicare is the one that bizarrely doesn’t have a home care option. Medicaid does

And that's what Harris proposed - Medicare would now cover some forms of home care in order that families did not have to divest all their assets in order qualify for it as they would on Medicaid.

So basically, and inheritance preserver.

Well it is cheaper to provide basic services at home rather than institutionalizing them. If 2 hours of care 3-4 days per week allows an elderly person to remain safely at home, that is much more cost effective than a nursing home/assited living

Gotta imagine nursing homes and PE oppose these types of cost effective measures as they can no longer line their pockets by providing crap care to a captive audience.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:
I work in health policy.

The Paragon Health Institute is a conservative health care think tank that will have a lot more sway over policy in the Trump administration.

Here is a recent white paper of theirs about how to reform long-term care in the U.S. They think Medicaid is the reason long term care is so expensive and that the country would be better off if all but the poorest families were required to pay for it on their own (without Medicaid’s help) or through new long-term care insurance arrangements. Better buckle up kids, this ride won’t be for the feint of heart.

Long-Term Care: The Solution

https://paragoninstitute.org/medicaid/long-term-care-solution/

“Congress should remove Medicaid as an end-of-life, wealth-preserving, fail-safe for the middle class and affluent. Medicaid should not reward people who neglect to plan responsibly for LTC by both paying for services and providing asset protection. New public policy should incentivize early planning for LTC that employs private wealth, including savings, home equity, life insurance, and a revitalized private LTC insurance market. Recent research documents lower risk of severe LTC expenses and indicates that consumers have more funds available to pay privately for LTC than previously believed. These facts suggest a way to revitalize the senior living market financially to the benefit of LTC consumers and providers alike. With more private LTC financing, fewer people will become dependent on Medicaid. Medicaid can then become a better payer of last resort than it is now. This paper explains how and why this new approach is plausible, practical, and preferable given current demographic and financial conditions.”

This "concept" of a plan has no basis in reality. My parents were thrifty and still needed Medicaid for LTC. I find this absolutely maddening.

But YOU have wealth. That's the kicker. The government doesn't want you passing along your elderly if they (or you) have resources. Medicaid is supposed to be for last resort. For the truly indigent. Like dogfood eating out on the street. Sounds like the Trump Administration is going to love this policy advice. If the government won't pay, what are you going to do?

"wealth-preserving, fail-safe for the middle class and affluent."

No, I don't have wealth. I assisted my parents, now some of my siblings as well as my college kids. I'm tapped out. This is all set up to keep working class folks working class while they privatize all profits for themselves.

Right. It’s all about rich people getting to pay less in taxes, which will result in middle class families having to spend any retirement and college savings on caring for elderly family members who pre-reform would have qualified for Medicaid help. When families have less money, they have to work longer, the supply of labor goes up and the cost of labor is cheaper for big business. Plus, if Medicaid becomes a minor payer for long term care, more people will be paying (higher) private rates for care.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:
I work in health policy.

The Paragon Health Institute is a conservative health care think tank that will have a lot more sway over policy in the Trump administration.

Here is a recent white paper of theirs about how to reform long-term care in the U.S. They think Medicaid is the reason long term care is so expensive and that the country would be better off if all but the poorest families were required to pay for it on their own (without Medicaid’s help) or through new long-term care insurance arrangements. Better buckle up kids, this ride won’t be for the feint of heart.

Long-Term Care: The Solution

https://paragoninstitute.org/medicaid/long-term-care-solution/

“Congress should remove Medicaid as an end-of-life, wealth-preserving, fail-safe for the middle class and affluent. Medicaid should not reward people who neglect to plan responsibly for LTC by both paying for services and providing asset protection. New public policy should incentivize early planning for LTC that employs private wealth, including savings, home equity, life insurance, and a revitalized private LTC insurance market. Recent research documents lower risk of severe LTC expenses and indicates that consumers have more funds available to pay privately for LTC than previously believed. These facts suggest a way to revitalize the senior living market financially to the benefit of LTC consumers and providers alike. With more private LTC financing, fewer people will become dependent on Medicaid. Medicaid can then become a better payer of last resort than it is now. This paper explains how and why this new approach is plausible, practical, and preferable given current demographic and financial conditions.”

This "concept" of a plan has no basis in reality. My parents were thrifty and still needed Medicaid for LTC. I find this absolutely maddening.

But YOU have wealth. That's the kicker. The government doesn't want you passing along your elderly if they (or you) have resources. Medicaid is supposed to be for last resort. For the truly indigent. Like dogfood eating out on the street. Sounds like the Trump Administration is going to love this policy advice. If the government won't pay, what are you going to do?

"wealth-preserving, fail-safe for the middle class and affluent."

No, I don't have wealth. I assisted my parents, now some of my siblings as well as my college kids. I'm tapped out. This is all set up to keep working class folks working class while they privatize all profits for themselves.

Right. It’s all about rich people getting to pay less in taxes, which will result in middle class families having to spend any retirement and college savings on caring for elderly family members who pre-reform would have qualified for Medicaid help. When families have less money, they have to work longer, the supply of labor goes up and the cost of labor is cheaper for big business. Plus, if Medicaid becomes a minor payer for long term care, more people will be paying (higher) private rates for care.

Well you should clarify and make that be "the ultra rich" pay more. The middling rich--those who earn most income from a W2/CapGains/Interest/Dividends pay out the wazoo for taxes--there are no legal loopholes for them. 37% on most of income, Medicare, SS, and 8-10% on majority of income at state level. It puts them close to 55-60% tax overall. We don't need "more taxes" at that level. We need to find a way to tax the ultra rich.

But people also need to plan. My LMC parents (in 80s, never earned more than $45-50K as family in their lifetime, normally it was much lower) managed to purchase LTC insurance and have kept it up. They also were truly frugal, our home was not nice, but it was a safe place with heat, water and a roof over the head. They lived on 1/2 acre+ and raised chickens and had a huge garden. They did 95% of their home repairs themselves until age 55/60. I personally helped dad reroof 2 homes while growing up---he figured it out because it needed to happen and we couldn't afford to pay someone.

Well those parents had over $750K when they sold their home (only $180K of it) and moved to a CCRC (we had to pay entry fee otherwise they qualified). They always made savings a priority and we lived frugally. I got $25 from them for bday and xmas and that was it. If it was a bad year, we got nothing. But they managed to save save save, despite many times of unemployment my first 15 years that set them back. Even after, they did whatever to have a job so they wouldn't fall behind.

Now they are living a decent retirement

[Anonymous]

The people who voted for him deserve what comes. The rest of us do not.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The government is never going to toss people with Alzheimer's and no money onto the street to die so this is all just fear mongering.

Are you aware of how difficult it is to obtain Medicaid? If it is put into a block grant, there is going to be no way that there will be enough money for all those in need.

Dp. Not it’s not. I just got my state’s version of Medicaid for my newly arrived father. It was a 3 month wait but it wasn’t hard.

He's not a citizen but gets medicaid? How does that work?

Yeah not buying it. 5 year wait for non citizens

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The government is never going to toss people with Alzheimer's and no money onto the street to die so this is all just fear mongering.

Are you aware of how difficult it is to obtain Medicaid? If it is put into a block grant, there is going to be no way that there will be enough money for all those in need.

Dp. Not it’s not. I just got my state’s version of Medicaid for my newly arrived father. It was a 3 month wait but it wasn’t hard.

He's not a citizen but gets medicaid? How does that work?

Yeah not buying it. 5 year wait for non citizens

Not in CA

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The government is never going to toss people with Alzheimer's and no money onto the street to die so this is all just fear mongering.

Are you aware of how difficult it is to obtain Medicaid? If it is put into a block grant, there is going to be no way that there will be enough money for all those in need.

Dp. Not it’s not. I just got my state’s version of Medicaid for my newly arrived father. It was a 3 month wait but it wasn’t hard.

He's not a citizen but gets medicaid? How does that work?

It works in a state where anyone income eligible can get the state Medicaid. Even before the expansion to illegal immigrants (which my father isn’t) green card holders were eligible (my father is one). Now, anyone can get it if they are poor, and it made the wait times extremely long.

That's when a state decides to expand. The feds are not on the hook. Why are you telling lies?

Re read the original comment

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The government is never going to toss people with Alzheimer's and no money onto the street to die so this is all just fear mongering.

Are you aware of how difficult it is to obtain Medicaid? If it is put into a block grant, there is going to be no way that there will be enough money for all those in need.

Dp. Not it’s not. I just got my state’s version of Medicaid for my newly arrived father. It was a 3 month wait but it wasn’t hard.

He's not a citizen but gets medicaid? How does that work?

It works in a state where anyone income eligible can get the state Medicaid. Even before the expansion to illegal immigrants (which my father isn’t) green card holders were eligible (my father is one). Now, anyone can get it if they are poor, and it made the wait times extremely long.

You could get MediCal (Ca version of medicaid) 30+ years ago if you were a green card holder. As it should be. My IL did, despite never having worked in the US. I Figure we paid in more than enough in our lifetime for whatever family got (they were only here for 7 years), given that we likely will never see anything as the programs are gutted

Well it’s not expanded even to illegal immigrants!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Look, I grew up in a country that went through an unimaginable social collapse when I was a teen. Old ppl weren’t thrown into the streets to die though. Some were scammed out of their homes but most somehow made it. Family and hospitals took care of them. It may not have been great care but it was something. I am sure we will all survive though we may need to tolerate our elderly at our homes for a while.

And how does that work when both parents need to go to work?

JD Vance’s plan to reduce child care costs is for family members to care for people’s children. Having elderly in our homes helps make that proposal a reality. It’s a win win. Parents don’t pay for childcare. The government (and tax payers) save money on Medicare. Just be sure to teach your toddler to say “Alexa, call 911. Grandma fell and she can’t get up.”

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

[Anonymous]

These programs are definitely getting the ax in 2025-26. Get ready for grandma to live with you.

[Anonymous]

Anonymous wrote:These programs are definitely getting the ax in 2025-26. Get ready for grandma to live with you.

Any particular reason for that claim?

[Anonymous]

How many elders are on SSRIs and other drugs that rfkJR wants to pull? This is going to be a nightmare