So a month ago my mom was told insurance would no longer cover nursing home care. I talked to the ombudsman and days later I got a letter from her insurance authorizing a year of long term care. The authorization started from 8/1/17-7/31/18. Come to find today that the facility is pushing for discharge. I've already called the ombudsman again. But has anyone else experienced a battle between insurance and a nursing facility where one says yes and the other doesn't? Mom is limited physically, needs help with daily activities and is becoming partially blind. That isn't safe for someone alone 12 hours a day. Not to mention the weekends I have to travel for work conferences. I'm not saying this because she's a burden. But she herself has said she would feel scared and she has diagnosed anxiety. So you can imagine my apprehension to putting her into an anxious environment.
I know a man who had a live-in caregiver for about 10 years and it was covered by his insurance. He had had a stroke that incapacitated him (some kind of neurological stroke) and with assistance he was still able to function. So his insurance supplied the live-in caregiver. His wife was also still alive and that made no difference in the insurance.
She has improved but not to the point of being able to only need 4 hours of supervision a day.