Quote:
Originally Posted by LuvtheVillages
You are assuming that all nursing homes provide the same level of care. That is not so.
Homes that have mostly Medicaid patients provide a minimum level of care. Constantly short handed. Call buttons go unanswered. Sometimes smelly.
More costly homes with few, if any, Medicaid patients will take better care of you. That is what the LTC insurance provides.
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Almost every nursing home I have visited had about a 90 percent Medicaid occupancy. I thought that LTC insurance benefits were based on a daily payment rate that was usually not enough to pay for most nursing homes. Are there any nursing homes located near The Villages that do not accept Medicaid patients, but still are reasonable enough to be covered by LTC insurance? Most people do not have LTC insurance and cannot afford to pay about $10K per month for a nursing home. Also, the average LTC insurance benefit is between $130 and $160 per day, which is nowhere close to covering any nursing home.