Mom is currently in a nursing home and only on Medicare. We would like to bring her home with us, but monthly income is $2584. I know a Miller trust would work if she stayed in the nursing home, but is there a way to achieve the same thing with in home care?
You do have two options, if you want home care, but it depends on whether you want medical home care or ADL and light housekeeping, etc. care.
First, why is she in a nursing home, and is it a rehab facility? How long has she been there? For what condition is she being treated? Have you discussed discharge and home care with the therapists and social workers?
Assuming she could be cared for at home, a NH doctor could script for home care, which would include nursing, PT, OT, speech therapy if necessary, a social worker and a home aid for bathing assistance (if you want that). Generally this lasts about a month, although I've been told that a treating physician can certify for further care. Medicare does pay for it.
If you need assistance with ADLs, you'd want private duty care. In my area it runs from about $19 to $26/hour. Depending on how much you need, you could get some care this way. It's all private pay though.
The other option is Palliative Care, recently "split" off from hospice and now a separate program, paid for by Medicare. Conditions are still treated, but the focus would be to catch them (such as pneumonia) as early as possible, get antibiotics scripted for by the PC doctor, and treat at home.
People with "chronic conditions", such as COPD, and I believe diabetes, are eligible for Palliative Care.
We're in the process of getting this, and I'm looking forward to having a nurse a few times a month to check for conditions that I couldn't DX myself.
You really need to run this by Medicare. Each state and each persons assets are different. The Social Worker at the facility may be able to help.
I had thought after speaking with one of our very competent and supportive doctors that palliative care arranged for the home care, including a visiting physician and the health care team, and that home therapy could be provided, potential hospitalizations could be avoided by early detection and treated w/o hospitalization.
In talking with different companies to decide on one, I learned that (a) some ONLY provide consulting services but that (b) the family's PCP or other doctor scripts for the home care. Palliative care provides an assessment and "care plan", for which I'm sure they bill Medicare as well as ongoing "updates" on the care plan and care delivered thereunder.
Another company affiliates with a private group of doctors, who script for the home care. This essentially takes the monitoring away from an individual's own doctor or specialist and substitutes a doctor (s) and care team with which the individual may not be familiar or have any experience.
Yet another company only offers telephone support on a monthly basis.
Apparently companies are in various stages of either adapting or gearing up. One home care company I would like to provide palliative care as well told me that the staff have to be certified specifically for palliative care, so it's another level of applying to Medicare for certification, or whatever it's called that qualifies them to provide palliative care.
To me that suggests that Medicare establishes the standards.
At this point, I 'm not even sure home care is a "palliative option" that would work for us. But I think companies know that it makes sense to provide a continuum of care from palliative through hospice.
Three companies I researched do provide hospice and palliative care. One even has a program manager just for palliative care. It does make sense that the two services are linked because palliative can easily end up being hospice care, eventually.
I'm not really qualified to address hospice guidelines though, as I haven't focused or done that much research on it. And in our situation, I don't think it'll be necessary for a while, hopefully a long while!
The only standard I know of for palliative care though is that the individual has a chronic condition, but is not close to the dying stage. From there, it seems to change depending on which company provides what specific level of care and what either a treating physician or a palliative care company physician makes the assessment and scripts if appropriate. Seems to be that doesn't offer as much as an individual's treating physician would offer if he/she scripted for palliative care.
The representative of the home health care company applying for certification inferred that Medicare set the standards. I'd have to check my notes for sure, but that's my recollection.
Sorry I can't be more specific; clearly I need to learn more about palliative care before deciding it's worthwhile. What I don't want is a totally new doctor and home care group starting; I want a tried and true company with a track record.
Not sure I've answered your question; if not, please let me know. Sometimes I drift away from the topic!
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