sorry, I dont want to work with 80 years old. so work as you wish but i dont know if anyone is willing to work with a 80 years old. I dont even want to work with a 60 yr old.
首先，楼主的标题有些过于偏激。两者显然还是不一样。自付的人有更多选择。此外，在某些政策上，如家庭护理，在纽约之外的其他各州政策就和纽约不同，并不覆盖。Medicaid在各州的政策覆盖面都是不同的。通常而言，Medicaid不覆盖家庭护理——纽约例外。对于长期护理，自付者可以在开始选择medicaid不覆盖的机构，直到花完钱再选择接受medicaid的机构。 其次，确实部分存在这样的不公平问题。这也是近年来，纽约流出人口的经济水平远高于流入人口经济水平的一个原因，劣币驱逐良币，奖劣罚优，这就是我有时开玩笑说纽约快成为人民公社了。有次有个纽约的白人教授就愤愤对我说，他觉得纽约就是社会主义。但是，为什么人们仍然要辛勤工作呢？因为结果还是有所不同的。只是这个差距，不足以弥补人们辛勤工作的期望罢了。否则，人是理智的经济人，为什么这么庞大的中产阶级不选择躺平呢？ 第三，公平和效率，永远只能进行取舍求得某种平衡。资本主义经历了早期追求自由竞争后导致的巨大贫富差距后，不得不用二次分配减少差距，获得平衡。但至于这个平衡点在哪里，会不会打击勤劳者积极性，依靠相互制约。纽约人可以用脚投票，离开这里。从加州去德州的人，不也抱怨其他的一些问题吗？譬如缺乏公共土地、公共设施。没有完美的制度。纽约州毕竟是美国贫富差距最大的州之一。相关政策倾向穷人也是有原因的。 https://www.statista.com/statistics/227249/greatest-gap-between-rich-and-poor-by-us-state/ 其中可见纽约是全美贫富差距最大的州（不算波多黎各） 纽约申请medicaid，个人收入需不到17131，四口之家35245，见 https://www.benefits.gov/benefit/1637 特意去看了全美贫富差距最小的Utah的政策 https://medicaid.utah.gov/medicaid-long-term-care-and-waiver-programs/ https://medicaid.utah.gov/expansion/ 个人每年收入不到17774，四口之家36570刀方可申请 就是说，纽约申请Medicaid的政策，比Utah还要严苛一些，收入还要低一些才能申请 medicaid相关政策具体参考如下网站。 https://www.elderlawanswers.com/whats-the-difference-between-medicare-and-medicaid-in-the-context-of-long-term-care-14738 In the absence of any other public program covering long-term care, Medicaid has become the default nursing home insurance of the middle class. Lacking access to alternatives such as paying privately or being covered by a long-term care insurance policy, most people pay out of their own pockets for long-term care until they become eligible for Medicaid. The fact that Medicaid is a joint state-federal program complicates matters, because the Medicaid eligibility rules are somewhat different from state to state, and they keep changing. (The states also sometimes have their own names for the program, such as “Medi-Cal” in California and “MassHealth” in Massachusetts.) Both the federal government and most state governments seem to be continually tinkering with the eligibility requirements and restrictions. This is why consulting with your attorney is so important. As for home care, Medicaid has traditionally offered very little -- except in New York, which provides home care to all Medicaid recipients who need it. Recognizing that home care costs far less than nursing home care, more and more states are providing Medicaid-covered services to those who remain in their homes. It’s possible to qualify for both Medicare and Medicaid. Such recipients are called “dual eligibles.” Medicare beneficiaries who have limited income and resources can get help paying their out-of-pocket medical expenses from their state Medicaid program.
首先，楼主的标题有些过于偏激。两者显然还是不一样。自付的人有更多选择。此外，在某些政策上，如家庭护理，在纽约之外的其他各州政策就和纽约不同，并不覆盖。Medicaid在各州的政策覆盖面都是不同的。通常而言，Medicaid不覆盖家庭护理——纽约例外。对于长期护理，自付者可以在开始选择medicaid不覆盖的机构，直到花完钱再选择接受medicaid的机构。 其次，确实部分存在这样的不公平问题。这也是近年来，纽约流出人口的经济水平远高于流入人口经济水平的一个原因，劣币驱逐良币，奖劣罚优，这就是我有时开玩笑说纽约快成为人民公社了。有次有个纽约的白人教授就愤愤对我说，他觉得纽约就是社会主义。但是，为什么人们仍然要辛勤工作呢？因为结果还是有所不同的。只是这个差距，不足以弥补人们辛勤工作的期望罢了。否则，人是理智的经济人，为什么这么庞大的中产阶级不选择躺平呢？ 第三，公平和效率，永远只能进行取舍求得某种平衡。资本主义经历了早期追求自由竞争后导致的巨大贫富差距后，不得不用二次分配减少差距，获得平衡。但至于这个平衡点在哪里，会不会打击勤劳者积极性，依靠相互制约。纽约人可以用脚投票，离开这里。从加州去德州的人，不也抱怨其他的一些问题吗？譬如缺乏公共土地、公共设施。没有完美的制度。纽约州毕竟是美国贫富差距最大的州之一。相关政策倾向穷人也是有原因的。 https://www.statista.com/statistics/227249/greatest-gap-between-rich-and-poor-by-us-state/ 其中可见纽约是全美贫富差距最大的州（不算波多黎各） 纽约申请medicaid，个人收入需不到17131，四口之家35245，见 https://www.benefits.gov/benefit/1637 特意去看了全美贫富差距最小的Utah的政策 https://medicaid.utah.gov/medicaid-long-term-care-and-waiver-programs/ https://medicaid.utah.gov/expansion/ 个人每年收入不到17774，四口之家36570刀方可申请 就是说，纽约申请Medicaid的政策，比Utah还要严苛一些，收入还要低一些才能申请 medicaid相关政策具体参考如下网站。 https://www.elderlawanswers.com/whats-the-difference-between-medicare-and-medicaid-in-the-context-of-long-term-care-14738 In the absence of any other public program covering long-term care, Medicaid has become the default nursing home insurance of the middle class. Lacking access to alternatives such as paying privately or being covered by a long-term care insurance policy, most people pay out of their own pockets for long-term care until they become eligible for Medicaid. The fact that Medicaid is a joint state-federal program complicates matters, because the Medicaid eligibility rules are somewhat different from state to state, and they keep changing. (The states also sometimes have their own names for the program, such as “Medi-Cal” in California and “MassHealth” in Massachusetts.) Both the federal government and most state governments seem to be continually tinkering with the eligibility requirements and restrictions. This is why consulting with your attorney is so important. As for home care, Medicaid has traditionally offered very little -- except in New York, which provides home care to all Medicaid recipients who need it. Recognizing that home care costs far less than nursing home care, more and more states are providing Medicaid-covered services to those who remain in their homes. It’s possible to qualify for both Medicare and Medicaid. Such recipients are called “dual eligibles.” Medicare beneficiaries who have limited income and resources can get help paying their out-of-pocket medical expenses from their state Medicaid program.
sorry, I dont want to work with 80 years old. so work as you wish but i dont know if anyone is willing to work with a 80 years old. I dont even want to work with a 60 yr old. 我是007养的蜘蛛侠 发表于 2021-10-12 08:22
They live in the same nursing home regardless who pays, private or medicaid. If you pay by private insurance, the best you could do is to get a single room instead of sharing a room with one or two or three other patients, but the quality of care you receive is about the same. Once your private long term care insurance is exhausted, you will be eligible for medicaid, then they may move you to a shared room. There is some up scale nursing home for rich people, but it won't last you long with private long term care insurance. It also depends on your long term care insurance, if it is capped at certain amount each day, you won't even be able to get in those upscale nursing home at all with your private long term care insurance.
首先，楼主的标题有些过于偏激。两者显然还是不一样。自付的人有更多选择。此外，在某些政策上，如家庭护理，在纽约之外的其他各州政策就和纽约不同，并不覆盖。Medicaid在各州的政策覆盖面都是不同的。通常而言，Medicaid不覆盖家庭护理——纽约例外。对于长期护理，自付者可以在开始选择medicaid不覆盖的机构，直到花完钱再选择接受medicaid的机构。 其次，确实部分存在这样的不公平问题。这也是近年来，纽约流出人口的经济水平远高于流入人口经济水平的一个原因，劣币驱逐良币，奖劣罚优，这就是我有时开玩笑说纽约快成为人民公社了。有次有个纽约的白人教授就愤愤对我说，他觉得纽约就是社会主义。但是，为什么人们仍然要辛勤工作呢？因为结果还是有所不同的。只是这个差距，不足以弥补人们辛勤工作的期望罢了。否则，人是理智的经济人，为什么这么庞大的中产阶级不选择躺平呢？ 第三，公平和效率，永远只能进行取舍求得某种平衡。资本主义经历了早期追求自由竞争后导致的巨大贫富差距后，不得不用二次分配减少差距，获得平衡。但至于这个平衡点在哪里，会不会打击勤劳者积极性，依靠相互制约。纽约人可以用脚投票，离开这里。从加州去德州的人，不也抱怨其他的一些问题吗？譬如缺乏公共土地、公共设施。没有完美的制度。纽约州毕竟是美国贫富差距最大的州之一。相关政策倾向穷人也是有原因的。 https://www.statista.com/statistics/227249/greatest-gap-between-rich-and-poor-by-us-state/ 其中可见纽约是全美贫富差距最大的州（不算波多黎各） 纽约申请medicaid，个人收入需不到17131，四口之家35245，见 https://www.benefits.gov/benefit/1637 特意去看了全美贫富差距最小的Utah的政策 https://medicaid.utah.gov/medicaid-long-term-care-and-waiver-programs/ https://medicaid.utah.gov/expansion/ 个人每年收入不到17774，四口之家36570刀方可申请 就是说，纽约申请Medicaid的政策，比Utah还要严苛一些，收入还要低一些才能申请 medicaid相关政策具体参考如下网站。 https://www.elderlawanswers.com/whats-the-difference-between-medicare-and-medicaid-in-the-context-of-long-term-care-14738 In the absence of any other public program covering long-term care, Medicaid has become the default nursing home insurance of the middle class. Lacking access to alternatives such as paying privately or being covered by a long-term care insurance policy, most people pay out of their own pockets for long-term care until they become eligible for Medicaid. The fact that Medicaid is a joint state-federal program complicates matters, because the Medicaid eligibility rules are somewhat different from state to state, and they keep changing. (The states also sometimes have their own names for the program, such as “Medi-Cal” in California and “MassHealth” in Massachusetts.) Both the federal government and most state governments seem to be continually tinkering with the eligibility requirements and restrictions. This is why consulting with your attorney is so important. As for home care, Medicaid has traditionally offered very little -- except in New York, which provides home care to all Medicaid recipients who need it. Recognizing that home care costs far less than nursing home care, more and more states are providing Medicaid-covered services to those who remain in their homes. It’s possible to qualify for both Medicare and Medicaid. Such recipients are called “dual eligibles.” Medicare beneficiaries who have limited income and resources can get help paying their out-of-pocket medical expenses from their state Medicaid program.
道理对于个人是这样的，虽然瘦死的骆驼比马大，谁知道等我们需要NH的那一天是个什么情况，所以我们肯定还是要辛苦工作存钱的，但一个国家不应该奖懒罚勤，这样对辛苦工作省钱节约不给国家造成负担的人不公平，国家也会衰弱。这也是当今美国和那些progressive liberals的最大问题。Joe Manchin说的好: “I cannot accept our economy or basically our society moving toward an entitlement mentality. I’m more of a rewarding (system), because I can help those who are going to need help if those who can help themselves do so. “ 我前段时间刚买的perm life with LTC option, 就为了加一层保障，如果最后两三年如果不能自理。
To qualify for nursing home, which is 24 hours nurse monitored facility, the patients need to be bedridden. If your income is above the medicaid income level, you need to spend down your own income first before medicaid kick in. For example, you have monthly income of $1,000, Medicaid leave you basic maintenance costs of about $35 each month, your share of costs is $965, once you paid $965 each month, Medicaid will pick up the remaining costs of your nursing home costs.
That is basically how this country works everywhere. Look around, free lunch and reduced fee lunch were paid for by full cost lunch payers, Obama care and insurance premium also works like this, people who can afford health care pays for themselves and low income people,etc.
You need doctor's evaluation for nursing home admission. If you are not bedridden, I don't think you qualify for nursing home stay. Unless the nursing home wants people to occupy the bed so that Medicaid would pay for it, but that is fraud.
Same thing with nursing home, though Medicaid rate is lower than private insurance, government payer has good credit, you can always count the government to pay its bill on time, without default. To keep nursing home profitable, they need to study the payer mix, they do need certain percentage of medicaid patients to fill the gap. The upscale nursing home might still have one or two medicaid patients among hundreds of patients.
Long term care medicare 不包的，当然好一点那种从independent living 一套到最后nursing care 的系统很多是自己出钱的，有buy in monthly fee，早早排好队了。不过新冠来了估计waitingist 大大提速。一般一点的nursing home 收自己有钱付的，钱不够可以州立的medicaid kick in. 但自己要申请，最好找律师把自己的财产什么的啰清楚。有些老头老太一个要去nursing home 一个还能在家，那得把钱保证自住的老伴基本生活，然后剩下的钱给nursing home ,不够的medicaid 补助。要是完全没钱只靠medicaid 理论上也都可以住，但排队很长。这种都挺麻烦得自己人去弄，一直用medicaid 的很多人即使有资格去那些养老院，估计家里人也不会帮弄。最理想是住自己家里请护士过来儿女帮盯着，不然多少钱去nurisng home 最后都是躺自己屎尿里半天没人给你换。 louaci 发表于 2021-10-11 12:53
有人喝水还呛死呢。也不能说喝可乐比喝水好。
靠吃得贵点就能把钱花完那就也没多少啊
我搜了一下新闻，护士抢电话，拧了贝的手臂，只有皮外伤，没有”打骨折”
护士后来被捕，当天无罪释放了。
https://www.ejinsight.com/eji/article/id/1215220
住进nursing home就没打算出来。太悲哀了。既然这样那还管什么省钱啊？最后的时光多花点钱提高最后的生活质量呀。
真是机关算尽啊！不知道小孩对父母有什么看法没有？
西欧 德国福利体制更加夸张
德国 西欧 北欧的社会救济
政府付你的房租。
这个long term care insurance 现在卖的公司本来就不多，而且这个insurance product 根本就是赔钱货，很多保险公司都在考虑砍掉了，必须从年轻时候就买，否则保费也很高。
不一定的，因为有很多很贵的私校对低收入有望大量的减免，这些私校如果没有减免去上，确实不太值得，但是家庭收入低，学费减免了以后非常值得，毕竟还是比州大高大上一些。
养老院没概念 但是daycare这个我跟幼儿园的园长聊过 似乎有的幼儿园更喜欢收穷人的 因为从政府收钱更容易
现在现在不可以了，资产可以追溯到多年前，之前是很多人这么干转移财产符合资格去申请Medicaid.
是不能自理才去nursing home.能自理人家也不收的。
有了这个选项，就会成为潜规则或者必选项。
既然是赔钱的，那保险公司倒闭了或者到时候耍赖怎么办？我觉得还是自己投资准备靠谱。
至于安乐死的事情，其实解决办法比这个简单多了。这个话题太敏感我就不多说了
哇，这么贵，难怪都说需要几个米才能退休。
70岁还旅游，年轻时候的乐趣这时候全无
sorry, I dont want to work with 80 years old.
so work as you wish but i dont know if anyone is willing to work with a 80 years old. I dont even want to work with a 60 yr old.
首先，楼主的标题有些过于偏激。两者显然还是不一样。自付的人有更多选择。此外，在某些政策上，如家庭护理，在纽约之外的其他各州政策就和纽约不同，并不覆盖。Medicaid在各州的政策覆盖面都是不同的。通常而言，Medicaid不覆盖家庭护理——纽约例外。对于长期护理，自付者可以在开始选择medicaid不覆盖的机构，直到花完钱再选择接受medicaid的机构。 其次，确实部分存在这样的不公平问题。这也是近年来，纽约流出人口的经济水平远高于流入人口经济水平的一个原因，劣币驱逐良币，奖劣罚优，这就是我有时开玩笑说纽约快成为人民公社了。有次有个纽约的白人教授就愤愤对我说，他觉得纽约就是社会主义。但是，为什么人们仍然要辛勤工作呢？因为结果还是有所不同的。只是这个差距，不足以弥补人们辛勤工作的期望罢了。否则，人是理智的经济人，为什么这么庞大的中产阶级不选择躺平呢？ 第三，公平和效率，永远只能进行取舍求得某种平衡。资本主义经历了早期追求自由竞争后导致的巨大贫富差距后，不得不用二次分配减少差距，获得平衡。但至于这个平衡点在哪里，会不会打击勤劳者积极性，依靠相互制约。纽约人可以用脚投票，离开这里。从加州去德州的人，不也抱怨其他的一些问题吗？譬如缺乏公共土地、公共设施。没有完美的制度。纽约州毕竟是美国贫富差距最大的州之一。相关政策倾向穷人也是有原因的。 https://www.statista.com/statistics/227249/greatest-gap-between-rich-and-poor-by-us-state/ 其中可见纽约是全美贫富差距最大的州（不算波多黎各） 纽约申请medicaid，个人收入需不到17131，四口之家35245，见 https://www.benefits.gov/benefit/1637 特意去看了全美贫富差距最小的Utah的政策 https://medicaid.utah.gov/medicaid-long-term-care-and-waiver-programs/ https://medicaid.utah.gov/expansion/ 个人每年收入不到17774，四口之家36570刀方可申请 就是说，纽约申请Medicaid的政策，比Utah还要严苛一些，收入还要低一些才能申请
medicaid相关政策具体参考如下网站。 https://www.elderlawanswers.com/whats-the-difference-between-medicare-and-medicaid-in-the-context-of-long-term-care-14738 In the absence of any other public program covering long-term care, Medicaid has become the default nursing home insurance of the middle class. Lacking access to alternatives such as paying privately or being covered by a long-term care insurance policy, most people pay out of their own pockets for long-term care until they become eligible for Medicaid. The fact that Medicaid is a joint state-federal program complicates matters, because the Medicaid eligibility rules are somewhat different from state to state, and they keep changing. (The states also sometimes have their own names for the program, such as “Medi-Cal” in California and “MassHealth” in Massachusetts.) Both the federal government and most state governments seem to be continually tinkering with the eligibility requirements and restrictions. This is why consulting with your attorney is so important. As for home care, Medicaid has traditionally offered very little -- except in New York, which provides home care to all Medicaid recipients who need it. Recognizing that home care costs far less than nursing home care, more and more states are providing Medicaid-covered services to those who remain in their homes. It’s possible to qualify for both Medicare and Medicaid. Such recipients are called “dual eligibles.” Medicare beneficiaries who have limited income and resources can get help paying their out-of-pocket medical expenses from their state Medicaid program.
同一个nursing home收不同的保险，还有完全自费的，就和医院一样的
这才是有理有据的讨论。Medicaid是各个州在管，政策差异非常大。需要非常低的收入才qualify。大部分华人达不到的，还是好好工作，让自己有选择吧
没事，等他80了，估计你也80了。你早早腾地儿不完了。
没这么简单，即使401k用完了，每个月的社安金也超过低收入要求了
70岁左右很多人身体还很好。疫情以前全世界到处都是中国老年旅游团，尤其是组队的大妈们。。。
我lg的继父去了那里，每天给婆婆打电话，要回家，后来没住几天就回家住了，再也不去了，而且去的是很好的一个Nursinghome呢。自己的父母还是儿女照顾比较好，除非有特别大的疾病，每天都得医生护士看着
如果每个人都是楼主的观点，这个国家早就垮了。 有能力自己养自己，养孩子是一种值得骄傲的事。 楼主却觉得是没有意义的，非要去和吃救济的人比较。我觉得正确做法是，把养老的计划早早安排好，不要以后给孩子给家人造成经济上的负担。从工作开始，20多岁， 退休60多岁， 40 年的时间， 足够计划和存钱了。该买long-term care就买。
问题是这种“值得骄傲”的根基在哪里呢？ 有什么可骄傲的呢？
是不是咱们这种SSN比较高的，不可能qualify for Medicare啊。
They live in the same nursing home regardless who pays, private or medicaid. If you pay by private insurance, the best you could do is to get a single room instead of sharing a room with one or two or three other patients, but the quality of care you receive is about the same. Once your private long term care insurance is exhausted, you will be eligible for medicaid, then they may move you to a shared room. There is some up scale nursing home for rich people, but it won't last you long with private long term care insurance. It also depends on your long term care insurance, if it is capped at certain amount each day, you won't even be able to get in those upscale nursing home at all with your private long term care insurance.
Nope, Medicare does not cover long term care, at best for 100 days under special circumstances.
20- 30 岁最美好
最浪漫 纯真
20 岁的时候 旅游真美好
那个时候 对一切充满了 好奇
谢谢！
不知道中产阶级老了留在NY和搬到Florida相比有啥优点和缺点？
这个现在很难买， 一种说法是多年的低利率环境， 保险公司很难match liability
会有的，我们这一代人有生之年应该能看到。。
living cost，state income tax都有区别
目前只知道trust。
道理对于个人是这样的，虽然瘦死的骆驼比马大，谁知道等我们需要NH的那一天是个什么情况，所以我们肯定还是要辛苦工作存钱的，但一个国家不应该奖懒罚勤，这样对辛苦工作省钱节约不给国家造成负担的人不公平，国家也会衰弱。这也是当今美国和那些progressive liberals的最大问题。Joe Manchin说的好: “I cannot accept our economy or basically our society moving toward an entitlement mentality. I’m more of a rewarding (system), because I can help those who are going to need help if those who can help themselves do so. “
我前段时间刚买的perm life with LTC option, 就为了加一层保障，如果最后两三年如果不能自理。
是这样的。 就是看人下菜，宰中产没商量。宰到没钱了就跌进medicaid, 那时候人也快被折磨挂了。 医疗系统的圈钱方式从生孩子就能看出来。 我用的是公司的保险，医院疯狂乱收费，麻醉师不在network里，狠狠地宰了我们个人一笔。 用medicaid生娃的，个人不交钱，医院收政府一笔固定的费用。
可以Google一下 means test
同意有能力的照顾没能力的，但是好吃懒做的呢？就像这次很多人拿钱拿到手软，有工作也不去。啥事都得有制衡。
美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务美国没有生产只有服务
服务业的人也要生活， 要好生活， 那能怎么办？狠狠宰需要服务的人。
更可怕的是政府有各种项目， 比如自闭症的经费， 然后儿医就跟这些组织挂钩把孩子送给这些垃圾给你治疗自闭， 百分之九十九的都是说话稍微晚点而已， 而说话晚的常常很聪明， 想得多， 经常开始说话就是一整句子。。
你想想一下自己聪明的娃不说话被一群畜生收拾。。
更糟糕的是以后mental health。。。
最后你老了真需要的照顾的时候， 政府发现弄死最简单， 所以就是医疗以最快的速度把你吸干， 然后弄死， 死70多万以为都是身体不好得病死的吗？其实很多就是不管你弄死的。
对比中国新冠死亡就明白了， 老了死路一条。。 年轻的时候到处是坑。。
真是屎坑国家。
Re, 说质量有差的太想当然了，就从出租房子来说吧，你要接受section8的租户，就意味着从政府拿钱，那就要遵守政府的各种规范，每年要被检查，各种大修小修，不能说破破烂烂不用管还能照样拿钱。nursing home肯定也一样，要从政府拿钱从设施到服务还有食物品质肯定都有年检和抽查的。
希望华人上的税法专家开贴介绍下如何合法省税？哪怕像楼上说的转给子女，但一年不是也只能有1.2万的gift money嘛，这要提前多久开始转？
然后底层人口数量最大，会一直支持他们的割中产韭菜政策。美国社会就是这样运行的。
因为70岁身体不好的自然就不出来旅游了啊，你见不到了啊
按需分配，中产买单
他们收入来源是什么
Medicaid 申请时所有银行账户都要上报的。这种人肯定是把钱放在别人名下了。
我以前发帖说过，低配版的财务自由，没什么意思，实际生活水平和吃福利的没啥本质区别。楼主的公公这种到六十岁才一米资产的，就是最低配的，本来生活水平就不会比吃福利的穷光蛋强到哪里去
我发那个贴的时候，招来版上一堆人狂喷，都不信啊。这不，楼主来帮我举出例子来了，你们信了吗？
唉，我这人在版上就喜欢瞎说大实话，但版上绝大多数人都只愿意听自己顺耳的，即便纯粹是臆想。
嗯。我觉得这以后的差别会更明显。
medicaid能看的牙医和眼科医生都有限，需要动手术的话符合需要手术的标准也不一样。
To qualify for nursing home, which is 24 hours nurse monitored facility, the patients need to be bedridden. If your income is above the medicaid income level, you need to spend down your own income first before medicaid kick in. For example, you have monthly income of $1,000, Medicaid leave you basic maintenance costs of about $35 each month, your share of costs is $965, once you paid $965 each month, Medicaid will pick up the remaining costs of your nursing home costs.
That is basically how this country works everywhere. Look around, free lunch and reduced fee lunch were paid for by full cost lunch payers, Obama care and insurance premium also works like this, people who can afford health care pays for themselves and low income people,etc.
Not if you are pension recipient or receives annuity.
about 5-10 years maybe, that is why most people pay for long term care insurance that covers 5 years.
You need doctor's evaluation for nursing home admission. If you are not bedridden, I don't think you qualify for nursing home stay. Unless the nursing home wants people to occupy the bed so that Medicaid would pay for it, but that is fraud.
Same thing with nursing home, though Medicaid rate is lower than private insurance, government payer has good credit, you can always count the government to pay its bill on time, without default. To keep nursing home profitable, they need to study the payer mix, they do need certain percentage of medicaid patients to fill the gap. The upscale nursing home might still have one or two medicaid patients among hundreds of patients.
Long-term care和nursing home有什么区别?如果long-term Care不包nursing home反而包卫不如直接去nursing home?