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Does Medicare and Tricare for life pay for nursing home?

My mom lives with me in Georgia. I am her primary caregiver. She is 75 and diagnosed with Parkinsons and early Dementia which is being managed with medication and neurologist. She has Medicare and Tricare for life(my father was miliatry but deceased). I am in search of nursing home or at least assisted living facility but cannot afford to pay. My mother recieves widows pension. I applied for Medicaid but was turned down due to her income. She doesnt have a lot of income but being that she stays with me and has no bills i guess that determined it. I am unable to pay for nursing home or assisted living because I myself am on disability from Rheumatoid Arthritis. I dont know what resources are available to help financially with placement. Its a struggle trying to take care of her. She is able to dress herself with minimal assistance but cannot remember her meds or to eat, her sense of direction or knowing what to do is off, has difficulty walking, uses a cane and a rolling walker. My mother is unable to live by herself so elderly housing is not an option. Can someone advise me? Thank You
Status: Open    May 09, 2016 - 10:46 AM

VA Benefits, Medicare/Medicaid

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May 09, 2016 - 11:08 AM

There are many rules and regulations that govern both Medicare and TriCare for Life. I believe that Medicare will only cover about 100 days after a hospitalization of 3 or more days and the hospital transfers you for further care. TriCare for Life will not usually pay for a nursing home but there are some exceptions. However, I would give the TriCare for Life coordinator a call ( Toll-Free: 1-866-773-0404) and explain what is going on with your mother and see what options they give you. Also please remember to take care of yourself as you take care of your mother. A local senior services agency may be able to provide some respite care for you but as I do not know your location I cannot provide any referrals or agency names.

May 11, 2016 - 08:18 AM

I suggest you find an elder law attorney who is familiar with Medicaid applications. There is a way around the income limit to qualify for Medicaid, unless her monthly income is more than the monthly nursing home expense. She could be eligible for Aid & Attendance benefits from the VA. You could also contact your local area agency on aging for help.
Medicare and Tricare are medical plans and neither cover long-term care. Both will cover some rehabilitation periods that can be in a nursing/rehab facility but those are short term.

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May 09, 2016 - 11:08 AM

There are many rules and regulations that govern both Medicare and TriCare for Life. I believe that Medicare will only cover about 100 days after a hospitalization of 3 or more days and the hospital transfers you for further care. TriCare for Life will not usually pay for a nursing home but there are some exceptions. However, I would give the TriCare for Life coordinator a call ( Toll-Free: 1-866-773-0404) and explain what is going on with your mother and see what options they give you. Also please remember to take care of yourself as you take care of your mother. A local senior services agency may be able to provide some respite care for you but as I do not know your location I cannot provide any referrals or agency names.
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