Wow, this thread is a shining example of mis-information.
First, try learning what the different types of care really are, because there's a HUGE difference, and it FULLY explains the differences in cost as well as why Medicare covers one thing, but not another:
- Adult Foster Care - this is in-home care for an adult who is right at the point of not being able to be fully independent, yet at the same time not requiring the care and supervision of a medical staff. Get the medical staff part down, because that's why Medicare does NOT subsidize AFC. Medicare is not in the business of paying for someone's housing simply because of age, or paying for minimal aid of daily tasks, they are in the business of medical care. AFC is not like hospital or nursing home care, because it doesn't involve medical attention. It simply involves lifestyle.
Here's something from the Dakota Department of Social Services website (it was one of the first things that popped up in my search) that outlines what qualifies someone for AFC, and when someone should skip it and go to a nursing home:
- Nursing Home - It's different from Adult Foster Care because nursing homes DO come equipped with a licensed medical staff and supervision. This is also the reason for the huge cost difference. In Adult Foster Care, there really isn't a medical staff on board. Did some of you folks really not comprehend why the difference in price in the first place?
- Hospice Care - Mainly focuses on the care of terminally ill, not necessarily just the elderly, and it's not always confined to in-home care.... although that's what it's primary function is. Again, attention here is MEDICAL CARE, which is why Medicare steps in and helps fund this, and why it's different than AFC.
So get your facts straight guys. This thread failed from the onset, as it completely ignored very significant facts, and instead played on emotions that a couple of guys fell sucker to without thinking first. That's called bias, misinformation, and misdirection. If some of you actually knew the differences between AFC and nursing homes to begin with, there would have been no discussion in the first place. Because everyone would have seen the cost differences, and seen what Medicare does and doesn't cover, and go "oh, well duh, thanks for pointing out the obvious".
I see you pulled that off a Dakota DSS website. I'm not sure what that is. I do know that states have different guidelines as to how Medicaid is distributed, it's federally funded, but administered by the state.
You may have misunderstood what I'm pointing out. I can either go with Foster Care, or a nursing home in my case. The foster home comes out of my pocket, no medicaid at all. Nursing home is paid thru Medicaid, $6700 a month and up. Which is cheaper? Which is paid by medicaid?
I did not pull any of this out out of my ass, this all came from foster home owners, and nursing home owners.
What you pointe out, the difference in levels of care are very true, I think I touched on that in the original post, but at the same time there ARE people in nursing homes that could have been serviced in a foster home, but due to their own finances, couldn't.
I'd call that waste, a great amount at that.
It doesn't take a whole lot to get the primary care provider to put anything qualifying on paper, to admit to either foster care, or nursing home.
I think when you mention medicare, you're meaning medicaid?
So, I guess, the people that have informed me, and sat down and spoke with me, don't have their facts straight? Or did they just want to agree with whatever I "assumed"?
I just got home an hour or so ago, after spending an hour and a half with a foster home owner, and this misinformation was all discussed, at length. Everything I said was confirmed to my understanding by this owner as well.