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Just had my first client go into SNF. The facility told client's family that Medicare pays better than the MAPD. That's true for days 8-20. About $600 total, at $50/day. Can't fix that now. Same rate as Medicare days 21-100. The bigger question for me is, what does the agent do when the person goes into a nursing home. I just read on Medicare.gov that the nursing home will have a long term care pharmacy contract, so find a plan that works with them. is that always true? My question is, would my client keep their current MAPD, which does mention the long term care pharmacy benefits, or need to switch to another MAPD, maybe a SNP for institutions. I am not aware of any that agents can write in my area. I had called to review their plans for 2015, and was told of the unfolding events. So far, they are planning on using assets, not applying for Medicaid. I understand that there is no coverage for custodial/LTC care costs on Medicare or Medicare Advantage, just to clarify. We are talking about the special medical and pharmacy benefits for the situation, and I know there is a SEP/Institution ongoing, like LIS, Medicaid, etc.
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