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The tier of health care payments will continue to be: Medicare first, medi-gap (if enrolled) second, and the MCO program will be the "clean-up" payer for any unpaid deductible/co-pays, hospital bills or prescription deductibles/co-pays that Medicare part D does not pay. The Department of Health and Human Service will continue to qualify persons for and administer long-term care for the elderly.
The biggest challenge will be to make sure that your Dr. and area hospital is enrolled in and accepts payments from the selected MCO plan. If anyone else has comments or advice, I would welcome it.
Staying on top of this is a challenge for one elder but I am trying to do this for two elders who reside in two different states. Each state has different rules.
I'm very concerned about how my mom and son will be affected, since the state of Iowa just tried to "dis-enroll" (nice word for kicking her out) my mom from the Elderly Waiver program. They tried to say her level of care needs did not meet the qualifications for the waiver, but she has been enrolled for 2 years and has Alzheimer's! Fortunately, after a month of stress, getting paperwork from her doctor and neurologist, and trying to contact state legislators and anyone I could think of, they decided 2 days before her hearing that she did indeed qualify for the Elderly Waiver. However, I have a friend whose daughter with Down Syndrome just lost funding for vocational training.
Just had to vent...as a person who works outside of the home full time and having both a son and a parent in this mess, I'm very stressed and frustrated by the whole process.