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One often-overlooked aspect of dementia care is long-term care facilities. As cognitive decline progresses, many patients require specialized residential care in nursing homes or memory-care units. Here lies one of the most significant challenges: does VHI cover these facilities? The answer varies widely among policies. Some VHI plans may offer limited coverage for long-term care, while others might exclude it entirely. It's essential for individuals and families to carefully review their policy documents or consult with a healthcare advisor to understand what is covered.

• Regularly monitoring the patient's condition is vital to detect any changes that may require medical attention. Key symptoms to watch for include fever, cough, shortness of breath, fatigue, and loss of taste or smell. Keeping a symptom log can help track improvements or deteriorations in the patient's health. If the patient experiences severe symptoms such as difficulty breathing or chest pain, immediate medical assistance should be sought.

• MEDicaid is a government-funded program that provides health coverage to eligible low-income individuals and families. Unlike Medigap or private insurance options like LTCI, Medicaid includes coverage for both skilled and custodial nursing home care under certain conditions. Eligibility criteria vary by state but generally require financial need based on income and asset limits.

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