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Hi Mark, but
Has it been two years for you after your disability? Have you applied for Medicaid? It takes that long to qualify for Medicare. If you have insurance, it is generally primary, depending on if you are the subscriber or somebody else or you still work . For instance my stepmom is the subscriber, and she still works full-time, so insurances primary, and Medicare in secondary. You go by insurance rules. When she retires, or insurance will be secondary and Medicare will then be primary for me, which will be much worse for me of course. Medicare only pays the copay in my situation. I don't know about your situations. It is really confusing all the rules.. My insurance says that Medicare is making all the rules and insurance follows what Medicare decides. Which is not usually good. For instance, the general will rule, was to be able to continue chair every five years. Please correct me anyone if it is not true. My wheelchair supplier, just tell me that last week. Now that is not the case. You only get a new chair chair when the cost of repairs, would be more than a new chair. Anything to save the government or insurance money. I know that
probably does answer your questions. I have visiting nurses on my
insurance nursing but I can pick in any one that is listed in my plan, the same
way with providers or anything else that is cover. For instance I used
after you for my will chairs and respiratory supplies. I am certainly not
a
an expert, only telling you my situation with insurance. I have been on a number of insurances, and then have paid for any home care needs. Do you qualify for home and community-based services, does your state have
? The adapt group seems to help states. Like Mark said, you need to talk to your
independent living Center and possibly SRS, to get an interview.. I'm sure
they will be able to help you. If your state does not , you may need to
talk to local senators and representatives about. That is what I did, back
in 19 80 to live independently away from the nursing home I was in for three
years.. It was a long battle, but well worth the fight.
Good luck. I don't know if I helped any. I'm sure others in our group, will know more than me. my Mine only out to do bloodwork
and about sores to look at, but not care for. I normally go to the wound
care Center, because the regular nurse don't seem to know that much, sometimes
applies dressing.. Dressing and personal-care are all called custodial
care. When I had IVs they only came out to show my aid how to do. I
know all are different. It seems crazy but they don't cover any care but
most don't, I don't think. My stepmom get the array of insurance plans to
choose from through the state although none carry actual care. I chose Blue
Cross because most of my doctors were already on. I would be very
interested to know what plans do or others which insurance companies do. I'm
sorry that they will not address, when they come to change your catheter.They
only showed my aid how to change ostomies,after my surgery. I don't
know it all insurances are like mine.It is a PPO.HMOs are more restrictive
I think,in my experience.It's very difficult to qualify for insurance
unless you work, think or you are covered by someone that still
works ,unless you have a lot of money to play very high premiums. or
you had the policy before your injury. just my
experience.
Dana (C 4-5, 31 years post, 51, KC) . writes:
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- RE: [QUAD-L] Home Care Lana Baugh
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