Sophia3 Posted July 27, 2005 Report Share Posted July 27, 2005 Anybody familiar with United healthcare HMO?? They are supposed to give "financial benefits" I guess but severe limitations.My elderly mother is in a hospital with intermittent dementia and needs to be placed in a nursing home for a few days/weeks to get her stabilized because she is too out of it to go home. She is lucid sometimes but still in and out.She thought she only had Medicare insurance. Come to find out, she has UNITED HEALTHCARE medicare. They signed- our then 82 year old mom-- up in 2001 w/o explaining things to her or having one of her kids present.This HMO "Benefit" we just found out, wants my mom to pay $100 a day out of pocket for short term nursing care stay for 36 days? That is a $3600 deductible on top of the current HOSPITAL bills and major tests!? Plus we are limited to only 6 nursing homes and none we are familiar with&^%$#@!Medicare would cover 100% up to 20 days in interim care? This is a flim flam job and my mom is on a tiny income. She is not aware of the problem.I am going to call up these UH Care people and let them have it and demand they remove her immediately. Time is critical and of the essence according to the doctor and the psychiatrist. We want to give my mom a chance to stabilize so she can go back to her HOME and live instead of having to sell her home and ban her to a nursing home...but she hates doctors and meds but needs both for dementia and agitation problems.Have you ever heard of an HMO signing up an elderly person without coming to the house???? If they did this, it was w/o our knowledge and my mom has no clue this is even a problem. She can be sharp and with it most times (until recently, of course ) but out of it when overwhelmed with information.I am livid. Is there somebody to complain to about an HMO switching an elder person w/o giving them the fact? We are OUTRAGED as a family.Thank you,I am not yet in an emergency guardianship but we as a family are LIVID!! If you can help or have been in similar situation, please let me know. Quote Link to comment Share on other sites More sharing options...
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