Hello,
Apologies for the long winded story in advance, but I am lost at what to do.
My dad (based in California) was diagnosed with COVID a few months ago. After undergoing intubation and a trachesotomy, he finally left the ICU after being in there for almost 2 months. He is now at a skilled facility to assist with his respiratory functions and hopefully get him moved onto a trach collar. The have found out he has diaphragm paralysis which they believe will be temporary, but in the meantime his insurance informed us his next step to a sub acute care facility will not be covered. We are trying to get him service connected with the VA in the interim, but we feel that time is approaching quickly for him to move out of this facility. I do not know why they are pushing so hard to get him out of there, but my dad has a long way to go and it seems that we are limited on our options for coverage.
My questions are:
– Has anyone had experience with a private insurance company that covers subacute care? I can not find anything online. I am aware the premiums may be high, but its probably better than having to worry about the whole bill. Looking for recommendations of a good private insurance company that may help with subacute care, long term care, or if needed at home rehab/nursing.
– Does anyone have experience with Medi-Cal? I am quite ignorant when it comes to understanding Medi-Cal and have heard nothing but bad things about him needing to “live under a poverty line”, or “needing to release his assets”. Can anyone chime in on this? He is under 65 years of age.
– Lastly, I am looking for general advice. Seeing what people may have done in similar situations. Is paying out of pocket even an option while we wait for the VA to evaluate my dad?
I am lost and am looking for direction. I want the best for him but dont even know where to begin.
submitted by /u/dbrooks94513
[link] [comments]
Hello, Apologies for the long winded story in advance, but I am lost at what to do. My dad (based in California) was diagnosed with COVID a few months ago. After undergoing intubation and a trachesotomy, he finally left the ICU after being in there for almost 2 months. He is now at a skilled facility to assist with his respiratory functions and hopefully get him moved onto a trach collar. The have found out he has diaphragm paralysis which they believe will be temporary, but in the meantime his insurance informed us his next step to a sub acute care facility will not be covered. We are trying to get him service connected with the VA in the interim, but we feel that time is approaching quickly for him to move out of this facility. I do not know why they are pushing so hard to get him out of there, but my dad has a long way to go and it seems that we are limited on our options for coverage. My questions are: – Has anyone had experience with a private insurance company that covers subacute care? I can not find anything online. I am aware the premiums may be high, but its probably better than having to worry about the whole bill. Looking for recommendations of a good private insurance company that may help with subacute care, long term care, or if needed at home rehab/nursing. – Does anyone have experience with Medi-Cal? I am quite ignorant when it comes to understanding Medi-Cal and have heard nothing but bad things about him needing to “live under a poverty line”, or “needing to release his assets”. Can anyone chime in on this? He is under 65 years of age. – Lastly, I am looking for general advice. Seeing what people may have done in similar situations. Is paying out of pocket even an option while we wait for the VA to evaluate my dad? I am lost and am looking for direction. I want the best for him but dont even know where to begin.
submitted by /u/dbrooks94513 [link] [comments]Read Morer/HealthInsurance