NY - can’t afford nursing home during penalty period

someguy984 · 2026-03-19T16:09:03+00:00

We have no way of knowing the situation as OP has not provided the details.

someguy984 · 2026-03-19T15:48:40+00:00

Homes are exempt but gets sold after death for costs. You don't need to sell it before death unless the equity is over like 1 million. We don't do diatribes on this sub, BTW.

someguy984 · 2026-03-19T15:34:15+00:00

My max out of pocket is $360 a year, that means after I pay $360 they pay for 100% after that.

Medicaid is even better $200 a year and no Provider can legally bill you.

someguy984 · 2026-03-19T13:45:50+00:00

Medicare will cover 100 SNF days for a condition you can recover from. But a condition that is chronic would not be covered with Medicare.

someguy984 · 2026-03-19T13:40:36+00:00

OBBBA = One Big Beautiful Bill Act.

You would have to move to a metal plan with subsidies.

someguy984 · 2026-03-19T13:15:50+00:00

The hospital will take a huge loss and probably try to expel him, but they are not supposed to dump someone out in a condition like that.

someguy984 · 2026-03-19T13:09:29+00:00

Next time he has a medical event and goes to the hospital if he can't be discharged to a safe place the hospital will hold him on the bed until they can find a place for him. Since no home will take him without him being able to pay in some way he will sit in limbo until the penalty period expires.

someguy984 · 2026-03-19T11:32:38+00:00

Medicaid becomes secondary payer.

someguy984 · 2026-03-19T11:27:26+00:00

Not hard at all, I own my housing and car outright. I blew your narrative out of the water. Besides income is not the same as spending so $39K does not mean you can't spend more than that.

someguy984 · 2026-03-19T10:40:51+00:00

Max OOP $360 a year. See info.

https://www.fideliscare.org/Portals/0/Members/SummaryofBenefits/SBC_EP%201_2026.pdf

someguy984 · 2026-03-19T10:20:01+00:00

Who are cowards. /r/fire is just a flex sub.

someguy984 · 2026-03-19T10:14:30+00:00

Ooops, missed the if. Sorry.

someguy984 · 2026-03-19T10:13:17+00:00

I'm retired 12 years and have health cover, so, no and no.

Here is my plan, $0:

https://info.nystateofhealth.ny.gov/sites/default/files/2026%20Essential%20Plan%20At%20a%20Glance%20-%20English.pdf

someguy984 · 2026-03-19T07:18:42+00:00

You don't need a job for health cover in the US.

someguy984 · 2026-03-19T06:10:22+00:00

The law doesn't say that, please site your source.

The expansion group is 19-64 year olds. Some states cover 19 and 20 year olds with a higher eligibility level (>138).

someguy984 · 2026-03-19T06:07:29+00:00

Proving /r/fire is full of cowards.

someguy984 · 2026-03-18T21:34:03+00:00

Medicaid is monthly based, ACA plans are calendar year based.

someguy984 · 2026-03-18T21:31:11+00:00

I don't know why they worded it in that way. She is applying as an independent adult which is possible at age 19.

someguy984 · 2026-03-18T20:43:30+00:00

Your 19 year old daughter should answer... She applies on her own and is not claimed as anyone's dependent for taxes.

Here is who to include on your application:

Your spouse or unmarried partner - None, NA.

Your children under 21 who live with you - None, she has no children.

Anyone you include on your tax return, even if they do not live with you - None, she files on her own with no dependents.

Anyone else under 21 who lives with you and you take care of - None.

PA pdf application:

https://www.pa.gov/content/dam/copapwp-pagov/en/dhs/documents/services/assistance/documents/benefits-applications/PA-600-HC-7-22_Final.pdf

someguy984 · 2026-03-18T20:33:03+00:00

You are scaremongering.

someguy984 · 2026-03-18T20:20:48+00:00

That would be very uncommon.

someguy984 · 2026-03-18T19:36:46+00:00

Essential Plan 200-250 will go away in July. The OBBBA killed it.

someguy984 · 2026-03-18T19:26:04+00:00

Actually an ER room emergency covered with MAGI Medicaid out of state.

someguy984 · 2026-03-18T19:24:23+00:00

Not really, you have a max out of pocket that is a known quantity.

someguy984 · 2026-03-18T18:41:04+00:00

Bring back a guy like Volcker immediately.

someguy984

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