Reply to I didn't fully comprehend the cost of eldercare

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]My dad is 90 and being released from rehab tomorrow, which is great.  But he now has significant mobility issues and wants 24/7 care. He wants to be at home. I knew this wouls be expensive but am shocked at how expensive it is. We are hoping he can eventually transition away from overnight care.

I am struggling to understand how this amount of money is worth staying in your own home. I hope future old me makes a different choice.

No LTC insurance (but heard mixed reviews in whether this is worth it). Doesn't qualify for medicaid. 
[/quote]

Does he need 24/7 care or just want it? If he needs it, and can’t afford it, it’s possible the doctor who he saw before going to rehab could tell  rehab he’s not cleared to be released home.  When my parent with  dementia needed 24/7 care and my other parent  was in denial, a hospital stay was how we forced issue and got parent into  memory  care(I helped with costs).  Although expensive memory care was a lot less than 24/7 home care (agency we were using  for part time in home care would have cost about 20k for 24/7)[/quote]

Something to be aware of: Doctors will rarely keep a bed filled if the patient can reasonably go to rehab. Then, if the doctor doesn't clear the patient to leave rehab, and you max out the # of days Medicare will pay for (max is 90, but that doesn't mean they will pay for 90) then the facility forces the patient to go private pay. It's a terrible trap, borne out of Congress passing a law that doesn't allow these facilities to kick people out who have nowhere to go. A byproduct is people can become "captive" (hyperbole) and can't get released. They then keep them until there is no more money and then send to a Medicaid bed. Though some will keep them and accept Medicaid money.

There are no good solutions, just the least bad situation.[/quote]

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