The cost of nursing home care is significant. The primary payer ...

[P68T]

The cost of nursing home care is significant. The primary payer for nursing home care is:
 
  a. Medicare.
  b. Medicaid and private pay.
  c. Long-term care insurance.
  d. Medigap insurance.

Question 2

An older adult is concerned that if her spouse, who recently suffered a stroke, is placed in a nursing home, they will take everything in order to pay for his care. What response will the nurse make?
 
  a. A spouse is allowed to keep a percentage of the family income and cash as well as the family home, car, and personal prop-erty
  b. You should consider transferring the as-sets to your son so that your husband will qualify for Medicaid
  c. Have you considered caring for your husband at home since Medicare will cov-er custodial care at home?
  d. Are you aware that your children have a legal obligation to provide financial sup-port toward the care of disabled parents?

[sierramartinez]

Answer to Question 1

ANS: B
The primary payers for nursing home care are Medicaid and private pay. Because of the poten-tially high co-payments associated with Medicare, persons who are able to do so often purchase supplemental insurance plans. These feature standard benefits and generally several different policies are available from which to select in each state. Plans referred to as Medigap cover only the deductibles and part of the coinsurance amounts based on Medicare-approved amounts con-tracted with providers. Long term care insurance does pay for nursing home, but the primary payers are Medicaid and private pay.

Answer to Question 2

ANS: A
The spouse is permitted to keep a portion of the assets, home, car, and personal property. There is a look back period of 36 months to determine whether funds that were transferred would nor-mally have been available to the individual. Medicare does not cover the cost of custodial care; it covers skilled care only. There is no legal obligation of a child to support a parent.

[P68T]

Thank you

[sierramartinez]

No problemo