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By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
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It sounds like he has Medicare or some type of insurance but no way to pay the co-insurance. I have the same concern. My Dad & stepmother cancelled their Medicare supplements a couple years (too expensive) but kept the PartD drug plans. She was recently hospitalized for 5 days in kidney failure and is still being monitored at home to see if she will need dialysis. I have no idea how they are going to pay their co-insurance. They keep saying they've called their agent where they live & are going to sign up during open enrollment with him but still haven't. She had done a reverse mortgage, is in the 5 year Medicaid lookback & the money was spent long ago.
If their income qualifies they can apply for Medicaid- "most" states have additional kidney help available. Such programs help those in permanent renal failure .
I would agree with OncehatedDIL, check into Medicaid, there may be a waiting list, but, in most states they have a way to waive the waiting list if it is due to an issue that could result in death, plus, if they qualify, at least here in Kansas, they may go back and reimburse for medical bills up to 3 months. Medicaid, just like SSI, is needs based and any assets or income will count against them and so if, for example, she gets $1500 a month and the max for Medicaid is $750, then each month she would have to pay in $750 to qualify. This may be pricey, but if the medical copays exceed that, then it may be worth it.
Another possibility, which was something we were looking at for my father when he was having kidney issues, was that they were going to train me to do the dialysis at the home. I would check with your local Area Agency on Aging, they can give you information and refer you to someone to speak with. Also, try checking with local non profit organizations, such as churches, Freemasons, etc. they may be able to assist with a fundraiser.
As for the reverse mortgage, that is a pity, I see those pushed way too often, leaving people with less than what they started with, especially if they do not outlive the payments.
This is end-stage renal failure, one of the few "exceptions" to insurances. Without dialysis, this patient will die. Without money to pay one can get their doctor to put them on hospice services, and most are non-profit and don't require pay.
There are a lot of insurance exceptions, as ferris1 points out, for permanent or end-stage renal failure. The social worker is the best source. Temporary renal failure is different. But forgive my confusion here ferris1, if someone goes on hospice due to renal failure - wouldn't dialysis be excluded from their hospice services? My understand was that under the new guidelines you could be treated for other ailments, but could not be treated for whatever was qualifying you for hospice?
I should have added the patient probably needs to be on the Medicaid side of insurance. You can go on and off hospice depending on one's ability to rebound. My mother, with Alzheimer's, was on hospice twice, but she didn't die as soon as expected. Funny how the body has a way of not telling us the exact date at which it will expire.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Another possibility, which was something we were looking at for my father when he was having kidney issues, was that they were going to train me to do the dialysis at the home. I would check with your local Area Agency on Aging, they can give you information and refer you to someone to speak with. Also, try checking with local non profit organizations, such as churches, Freemasons, etc. they may be able to assist with a fundraiser.
As for the reverse mortgage, that is a pity, I see those pushed way too often, leaving people with less than what they started with, especially if they do not outlive the payments.