How much do you need to retire? - Page 32

cater · ‎03-10-2010

bril, I am much like you I would like my own room and my own bathroom. All I pray is that my children do not ever have to take care of me. I have out of the goodness of my heart taken care of elderly people and it was no picnic. I got in to some of these scenes because the family were at each other that no one was doing their fair share so at that time young stupid me said I would help out. My own mother in law when I was really just a teen married got very ill and I had to take care of her and I mean take care of her in every way. I have lived a long time been in nursing homes for family members and I have seen it all. That is why I am paying for this long term care policy which is far far from being the best but I just don't want my children taking care of their Mom.

reiki604 · ‎03-09-2010

On 1/14/2014 happy housewife said:
On 1/14/2014 Marienkaefer2 said:
On 1/14/2014 Sloan Sabbith said:
On 1/14/2014 happy housewife said: Magicmoods -do you know how long you are going to live? Do you know what your expenses will be as you age? What kind of care you may require ? I am saving it for my security. You want to spend all yours ? go right ahead - you will be in the medicade ward at the home while I am in my private suite with a private duty nurse to care for me.

Is this "medicade ward" next to the "psyciatric ward"?

Take some savings and take an English class. Better yet, as a senior, you can audit - it's free.

${#emotions_dlg.biggrin}$

I don't think there are separate "wards" in rehab or skilled nursing facilities. They either accept Medicaid, or they don't.

My grandmother was in one that was only private pay. It was the best and nicest facility in the area where she lived. She had the money to pay for it. However, I never saw or heard of a private room with a private nurse. Maybe Donald Trump would get that. I don't know of any policy that would pay for that, if it exists.

It's not nice to put down Medicaid, either. Lots of people have Medicaid to pay for skilled nursing care...lots of regular every day middle class people. And I have seen some very nice facilities that accept it.

the home where my Dad was medicaid patients were in a different section of the facility than the private pay apteints. One thing for sure - if a patient is on medicaid they do not get a private room. My dad had a private room and a private nurse aide with him every day, because he had enough money to pay for that. She bathed him every day - got him up in to his chair - fed him and entertained him, took him outside etc. She would even come and get his dog some mornings on her way to work so he could visit with her.

In the nursing home where I was the nursing supervisor for a couple of years, the was no difference in how residents were treated regardless of their insurance. If a family wanted, they could hire a private nursing assistant for a few hours to bathe, dress etc so that the resident did not have to wait for the staff. There was no need for even that most of the time. I have never seen more dedicated nursing assistants in all my career than in that home. The staff had no idea what kind insurance each resident had.

'I refuse to engage in a battle of wits with an unarmed man'.......Unknown

SurvivedOne · ‎11-04-2013

On 1/14/2014 happy housewife said: Not all patients in a nursing home have a dementia - many are there because they can't care for themselves PHYSICALLY due to crippling illness.

Of course not all patients have dementia. I have a grandmother from one parent, grandfather from the other as well as a great aunt in nursing facilities. None of them have "a dementia". And I was hands on when each went into a nursing facility. As I still am. And am very well versed on the subject. If the patients were able to care for themselves PHYSICALLY, they wouldn't be in a nursing facillity.

shorelady · ‎03-10-2010

Both my parents were in a nursing home at different times. One was there for an extended period and was one there for short term. From my experience, no one was able to differentiate between medicaid and private pay patients. ALL patients whether medicaid or private pay were treated equally. There were no separate rooms or floors. Some of these posts make it seem that medicaid patients are thrown together in some dark corner and have to fend for themselves. I have never seen a "suite" with a private nurse to wipe and wash my various body parts! In fact my Mom was in a brand new nursing home, and there was no difference.

Nursing homes that have medicaid patients must adhere to the rules and regulations of the state when receiving federal assistance for these patients. As usual, the OP is making statements to try to convince everyone that her viewpoint on being frugal is the correct one.

SurvivedOne · ‎11-04-2013

On 1/14/2014 shorelady said:
Both my parents were in a nursing home at different times. One was there for an extended period and was one there for short term. From my experience, no one was able to differentiate between medicaid and private pay patients. ALL patients whether medicaid or private pay were treated equally. There were no separate rooms or floors. Some of these posts make it seem that medicaid patients are thrown together in some dark corner and have to fend for themselves. I have never seen a "suite" with a private nurse to wipe and wash my various body parts! In fact my Mom was in a brand new nursing home, and there was no difference.

Nursing homes that have medicaid patients must adhere to the rules and regulations of the state when receiving federal assistance for these patients. As usual, the OP is making statements to try to convince everyone that her viewpoint on being frugal is the correct one.

Yes shorelady, my experience as well with my 3 family members.

pommom · ‎03-10-2010

Plan for retirement by having paid off all your debts years in advance.

If your face brightens when you meet a friend, you have struck gold. - unknown

Georgiagrama · ‎03-19-2010

On 1/14/2014 brii said: My father in law was in a nursing hime where he died. There was no distinction between Medicaid and non-Medicaid patients. There shouldn't be either, IMO.

Just to jump in here long enough to say that you were very lucky brii. Maybe it's just my state, or even just the South, but, there are very obvious distinctions in care received in the homes that I have visited. It's frightening really. If I were to end up in a public, Medicaid home, I pray that I won't have enough of a mind left to know it.

151949 · ‎03-09-2010

There bwas absolutely a difference in the care given to private pay patients - first of all they get a private room - medicaid patients have to share a room. My dad's laundry was done for us - the medicaid pts either had to throw their things in to a common wash or the family had to take them home and do the wash. We did pay extra to have a private duty aide and she entertained him all day - took him outside and to crafts, movies etc. The medicaid patients were sat up in a room all day in front of the TV unless their family came to take them outside or to crafts or would read to him or rent him a movie they would watch together.My dad had his meals in his room with his aide to feed him not in a huge common room on a tray where the aide was trying to feed 2 or 3 at a time. There is a definate difference.

brii · ‎06-20-2010

On 1/14/2014 Retired08 said:
On 1/14/2014 brii said: My father in law was in a nursing hime where he died. There was no distinction between Medicaid and non-Medicaid patients. There shouldn't be either, IMO.

Just to jump in here long enough to say that you were very lucky brii. Maybe it's just my state, or even just the South, but, there are very obvious distinctions in care received in the homes that I have visited. It's frightening really. If I were to end up in a public, Medicaid home, I pray that I won't have enough of a mind left to know it.

My FIL wasn't Medicaid. I became friendly with one of the nurses there and this subject came up.

I don't know if it varies by state - maybe it does. This is Illinois.

glb613 · ‎03-09-2010

I've been in a lot of nursing homes over my career. The difference between all private pay and public aid/Medicare/Medicaid nursing homes is the staff to patient/resident ratio. I wasn't talking about the actual hands on care. Because the actual cost for the care needed is charged, the facility can hire enough good staff.