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Does Medicaid pay for Assisted Living? Medicaid is funded in part by the federal government and in part by the states. If you are confused about Medicaid, you aren’t alone. The Federal and State government are continuously changing rules surrounding healthcare, making it difficult for many people to know if they are using the correct information and making the right choices. Below, we’ve gathered some of the main benefits and drawbacks as well as some links to our vetted resources. Or, feel free to give our team at Stacys Helping Hand, Inc a call at the number above if you would like a Denver assisted living expert to help provide some clarity.
Does Medicaid Pay for Assisted Living
In Colorado, you can apply directly to Medicaid on your own, or you can choose to get Medicaid through the PACE program. In the Denver area, the program is called the InnovAge Greater Colorado PACE. We recommend utilizing InnovAge if the centers are conveniently located due to the fact that many of the assisted living facilities that don’t accept Medicaid will accept payments through InnovAge. The drawback is that InnovAge centers are in limited zip codes and require that you go through their network of experts. For difficult cases, you might need to talk to a local medicaid expert.
Medicaid Benefits
If you have limited assets, low income and you need help paying for nursing home or assisted living care, Medicaid might help you pay for part of your care. Nursing home and assisted living services are considered types of long-term care. Long-term care consists of not just medical services, but also personal services. For example, a resident in a nursing home might pay for assistance with bathing and dressing in addition to medical treatment. Medicaid rules for long-term care are significantly different in many ways than their rules for other services.
Medicaid Drawbacks
Medicaid may not be the best source of funding for assisted living depending on your situation. The first questions most often asked is whether Medicare will pay for assisted living. The answer is no. Medicare is strictly health insurance. Long Term Care Medicaid pays about 30% less than what’s needed for most assisted living costs. Medicaid will cover up to $2250 a month at most.
Since Medicaid reimbursement rates for assisted living facilities are not high, many assisted living communities don’t accept Medicaid. The ones that do are often shared living communities. Also, given the limited range of services for which Medicaid provides assistance and the enrollment caps and waiting lists for Medicaid waivers, many families might benefit by finding affordable assisted living outside of the Medicaid system.
Eligibility
For those who need help with assisted living in Denver, adults without dependent children whose household income does not exceed 133% Federal Poverty Level can apply here and will also need to apply for an Elderly Blind and Disabled Waiver (EBD Waiver). If they already have Colorado Medicaid Insurance, then they would apply for the Medicaid EBD Waiver. This waiver is what will contribute to covering the costs of assisted living.
We’ve written in more depth about the financial eligibility aspects of Long Term Care Medicaid (EBD Waiver) in Paying for Assisted Living Facilities: Spend Downs. In a nutshell, Long Term Care Medicaid requires you to contribute most of your income for room and board when you are living in an assisted living and the EBD Waiver will supplement the facility for your care. You are allowed to keep a small fixed amount of money as a “personal needs allowance” to pay for snacks, clothing and personal products.
There are spousal protection rules, but if you need that much detail, we’d recommend talking to a local expert. You can give us a call at Stacy’s Helping Hand, Inc at 720-248-7758
Oral health is about much more than a clean smile. For older adults, brushing and flossing can become difficult due to arthritis, memory loss, or physical limitations. When dental care is missed, harmful bacteria build up. And they dont stay in the mouth.Research has found links between gum disease and a range of serious health issues: heart disease, pneumonia, diabetes complications, and more recently, dementia. In studies, bacteria associated with gum infections have even been found in the brains of people with Alzheimers disease, suggesting a role in inflammation and cognitive decline.The good (but not-so-new) news? Professional cleanings and oral screenings help reduce bacteria, spot issues early, and protect overall health. And theyre not just for those with medical conditionseven healthy individuals benefit from reaching the areas daily brushing and flossing miss.Dental care is healthcare. For aging adults, it plays a vital role in maintaining comfort, dignity, and quality of life.Mouth health is whole-body healthespecially as we age. Editors Note: This article was submitted by Jacob H. Nguyen, RDH. Jacob is a Direct Access Dental Hygienist and Founder of Dental Carvan. For more information he may be reached at 303-210-0999.
Selling a home that has been lived in for many years can be a difficult process whether a loved one has passed or is just moving into a nursing home. Many memories have been made that hold a multitude of emotions and it is hard to let it all go. Here are a few steps to help ease the stress of preparing your loved ones home for sale.Be PatientIf time isnt of the essence put a 60-90 day freeze on all decision making. During that time leave everything in the home as-is except for expiring food, medicines, and anything else that could leave a bad odor. This hold-over time period will give friends and family time to grieve, time to process the options, and time to remember the home exactly how it was while your loved one still lived there.Get Expert HelpA lawyer should be one of your first calls as they can help get the necessary paperwork in order such as a power of attorney and will. They can also help you navigate through probate. Seeking legal advice about selling a home is always advised as it can greatly affect the title of the home.Next, a realtor will be able to talk about all of your options when it comes to selling. Since a realtor doesnt have any emotional attachment to the house, they will be able to be matter of fact and tell you the current market value of the home. A realtor will also let you know which items should be updated to get the most money out of the house.DeclutterIt can be difficult to let things go, but a house must be de-personalized in order to sell for top dollar. If the process is too difficult or daunting to do on your own, you might consider hiring an estate sale company to host an estate sale. If this is the route you go, it is best to step away from the process and let the professionals do their job.If you prefer to go through items yourself, consider hiring an appraiser or specialist to look at antiques to find out their true value. Less valuable items can be donated so you know they are going to a good home. Non-profit businesses that are usually seeking donations include Goodwill, Salvation Army, and Habitat for Humanity Restores.Update/RepairsA lived-in home will have signs of wear & tear. At a minimum fix cracked tiles, patch holes in walls, give the home a coat of fresh neutral paint, replace burned out lightbulbs, and remove curtains to let the most light in. You might also consider installing new carpet and flooring.To get the most money out of the home, consider doing a kitchen and bathroom remodel as those spaces tend to be the biggest selling points of a house. If you dont have time for a major renovation you can update simple items such as replacing light fixtures, faucets, and hinges. In the bathrooms add a few stacked washcloths tied with a ribbon, add lightly scented candles, and buy matching bathmats & towels in a light green, blue or white tone.Your realtor might also suggest hiring a professional stager, who will bring in contemporary furniture to enhance the homes attractiveness to potential buyers.Clean, Clean, CleanOne of the last steps inside the home is to give it a good cleaning. If you dont mind putting in the elbow grease, then begin with washing the windows, vacuuming, dusting, wiping down all surfaces, and polishing appliances. You can also consider hiring a cleaning company, who can come in and make the home sparkle in just a few hours.Curb AppealLastly, spruce up the landscaping and front entrance of the home which might have become neglected. Trim shrubs, add flowers, mow the lawn, give the front door a fresh coat of paint, and paint faded trim. In addition, certain buyers loan types such as FHA & VA will require rotted deck boards be replaced, that peeling paint is fixed, and any broken windows be repaired.If you are ready to take the next step in selling, call lMike Lies with Gold Compass Real Estate at 303-325-5690.
Caring for a loved one can be one of the most rewarding experiences, but it also comes with its challenges. Family caregivers often wear multiple hats, juggling work, family, and caregiving responsibilities. Knowing where to turn for help can make all the difference in managing the stress and ensuring your loved one receives the best possible care. Here are some essential resources every family caregiver should be aware of:Local Area Agencies on Aging (AAAs)AAAs provide a wealth of information and services tailored to seniors and their caregivers. From meal delivery and transportation to caregiver training and respite care programs, these agencies are a critical first step for many caregivers. You can find your local AAA through the Eldercare Locator.Support GroupsCaregiving can feel isolating, but youre not alone. Support groupsboth in-person and onlineconnect you with others who understand your journey. Platforms like Family Caregiver Alliance or local support groups can offer emotional support, practical tips, and a sense of community.Respite Care ServicesTaking care of yourself is vital to being an effective caregiver. Respite care offers short-term relief by providing professional caregiving services, either at home or in a care facility. Check with local senior care providers, such as our team at Elderlink Home Care, Inc., to learn more about these options.Financial Assistance ProgramsThe costs of caregiving can add up quickly. Programs like Medicaid Waivers, Veterans Aid and Attendance benefits, and local state assistance programs can provide financial relief. Additionally, many states offer stipends or tax credits for family caregivers.Technology Tools for CaregivingModern technology has made caregiving more manageable. Apps like CaringBridge and CareZone help you organize medical records, schedules, and communication with other family members. Medication reminder tools and wearable devices can also provide peace of mind.Caregiver Education and TrainingBecoming a caregiver often requires learning new skills. Organizations like the Alzheimers Association and AARP offer online courses, workshops, and guides to help you handle medical tasks, improve communication, and navigate the complexities of caregiving.Professional Home Care ServicesSometimes, partnering with a professional caregiver can provide the support you need. Home care services like those offered by Elderlink Home Care, Inc. allow your loved one to remain in the comfort of their home while receiving expert assistance with daily activities, personal care, and companionship.Legal and Financial Planning ResourcesHaving the proper legal and financial documents in place is crucial. Organizations like Legal Aid and National Academy of Elder Law Attorneys (NAELA) can guide you in preparing essential documents, such as powers of attorney and advanced directives, ensuring your loved ones wishes are honored.Caregiver Counseling ServicesThe emotional toll of caregiving is real. Many mental health professionals specialize in helping caregivers navigate stress, grief, and burnout. Look for local therapists or online counseling services to prioritize your mental health.Meals on Wheels and Nutrition ServicesEnsuring your loved one eats well is a top priority. Programs like Meals on Wheels provide healthy, affordable meals delivered right to their door. Many community centers and churches also offer meal services for seniors.Final ThoughtsBeing a family caregiver is no small task, but you dont have to go it alone. By tapping into these resources, you can find the support you need to provide the best care possible for your loved one while maintaining your own well-being.At Elderlink Home Care, Inc., were here to help. Whether you need professional caregiving services or advice on navigating the complexities of senior care, feel free to contact us for guidance and support.Remember: Taking care of yourself is just as important as taking care of your loved one. Dont hesitate to reach out for helpits a sign of strength, not weakness!Question, please call us at 303-734-0641.
Let us help you find the best care and housing option for your loved one - Assisted Living, Independent Living, Memory Care or Skilled Nursing. As Senior Care Advisors with over 12 years experience, we know the level of care each community or small home provides, their reputation and cost. We will help determine your loved ones physical care needs and what will be the best fit for them socially. As a neutral party, we tour the communities/homes with you and help you ask the right questions. We stay with you as your liaison, sounding board, and advocate for 3 months after you move in. Read our 5 Star reviews on Google and Yelp!
Let us help you find the best care and housing option for your loved one - Assisted Living, Independent Living, Memory Care or Skilled Nursing. As Senior Care Advisors with over 12 years experience, we know the level of care each community or small home provides, their reputation and cost. We will help determine your loved ones physical care needs and what will be the best fit for them socially. As a neutral party, we tour the communities/homes with you and help you ask the right questions. We stay with you as your liaison, sounding board, and advocate for 3 months after you move in. Read our 5 Star reviews on Google and Yelp!
Let us help you find the best care and housing option for your loved one - Assisted Living, Independent Living, Memory Care or Skilled Nursing. As Senior Care Advisors with over 12 years experience, we know the level of care each community or small home provides, their reputation and cost. We will help determine your loved ones physical care needs and what will be the best fit for them socially. As a neutral party, we tour the communities/homes with you and help you ask the right questions. We stay with you as your liaison, sounding board, and advocate for 3 months after you move in. Read our 5 Star reviews on Google and Yelp!