The last thing you want is to be in another state when your parent falls or has a medical emergency. Moving your parents from an out-of-state long-term care facility to a nursing home or other facility closer to you is a viable option for keeping your elderly parents within reach for frequent visits and better care.
There are a few necessary steps when looking into ways to move your parents from an out-of-state nursing home.
Selecting a New LTC Facility
Before making a move, pick out a few nursing homes you and your parent/parents are interested in and start your research. Use online resources to check the reviews on each facility; then, visit the location in person to scope out contenders before you move your parents. Note, sometimes visiting in person may be limited due to COVID-19 protocols. Many facilities are setting up virtual tours when there is limited ability to see the facility in person.
If your parent is paying for the facility out of savings and income or owns Long-Term Care Insurance, you will also want to look at the various facilities' costs. You can get an idea of the average cost of care by using the LTC NEWS Cost of Care Calculator.
Apply to the Facilities
If your parents currently live in another nursing home or long-term care facility, you will want the admissions staff to share a Patient Review Instrument (PRI). A PRI is a medical assessment tool that summarizes a patient's condition and needs.
The desired facility will evaluate your parent's needs and determine if it can fulfill them. If there is space available and the needs can be met, your parent/parents will be accepted.
Moving to a New State Affects Medicaid Eligibility
The cost of long-term care facilities often drains savings. Some people have not prepared and have little available resources. Medicaid will pay for nursing homes in those circumstances. If your parents are using Medicaid instead of Long-Term Care Insurance or private pay, no one person can be eligible for Medicaid in two states at the same time. Your parent/parents must close out their Medicaid coverage in one state before applying to another.
Understand Medicaid Residency Requirements
Once your parents are in the new nursing facility, they can apply for that state's Medicaid program. Your parents are eligible for Medicaid immediately upon moving to a new state. Medicaid acceptance might take as long as 90 days, but coverage is retroactive to its application date. This means the nursing home cannot turn you down if your Medicaid registration is still pending.
Making the Move
The last step in the process is to make a move. Moving out of state can be a complicated process, but with plenty of planning and coordination between nursing homes, the move can happen with ease. Make plans for your parents to be escorted to their new nursing home with the help of a facility employee or make the trip with them yourself.
When researching ways to move your parents to an out-of-state nursing home, prepare for these essential steps in the process.
About the Author
Mallory Knee is a freelance writer for multiple online publications where she can showcase her affinity for all things beauty and fashion. She particularly enjoys writing for communities of passionate women who come together for a shared interest and empower one another in the process. In her free time, you can find Mallory trying a fun new dinner recipe, practicing calligraphy, or hanging out with her family.
Contributor since September 25th, 2020
As time progresses, aging is a natural process we all face. Challenges like chronic illnesses, unexpected health setbacks, and the vulnerabilities of advancing years often come with aging. Long-Term Care Insurance offers solutions to these hurdles, providing guaranteed tax-free funds to pay for the expenses related to home health care, adult day care, assisted living facilities, and nursing homes — costs usually not borne by regular health insurance or Medicare. Notably, Medicaid only offers relief when one's financial resources are almost exhausted. Thus, including Long-Term Care Insurance in retirement planning is a forward-thinking move.
Are you prepared for the costs and burdens of aging? The core benefit of LTC Insurance is its protective shield against soaring long-term care expenses.
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Remember, insurance companies have underwriting guidelines that determine eligibility. Your current health dictates whether you can secure coverage at all. A qualified independent Long-Term Care Insurance specialist will understand these guidelines and match your age, health, and other factors with the insurance company providing the most coverage at the lowest cost.
- Independent Insurance Brokers vs. Captive Agents: Key Differences When Choosing an Insurance Representative
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