There are several ways to pay for nursing home facility care. These include Medicare, Medicaid, long-term care insurance policies, veterans benefits, and private funding. Initially, many nursing home facilities are covered by Medicare, after which your options are long-term care insurance policies private payment or a combination of all. You should carefully read the description of all available reimbursements.
If you're using Medicare as your primary funding source, you should use that criteria when searching the OurParents Directory. This will ensure that you review only nursing home that are Medicare certified.
While typically excluding the prior hospital stay requirement, managed-care typically covers all the same items that Medicare does. Typically there is a copayment charge, that is half of the costs during the 21 through 100 day stay.
Residents need to receive authorization from their insurance company, and the facility must be Medicare certified.
Participants using the Medicaid service must pay a portion of their nursing care costs with any Social Security benefits they receive
In most cases, an individual would need assistance with at least two activities and Medicaid would cover all the costs of nursing and medical equipment that a doctor may deem necessary.
In addition, Medicaid will cover the holding of a bed for a for a select amount of time usually one to two-week period if a resident is requiring temporary hospital care.
Also to allow visits with family or friends, and absence of 18 days per year is covered.
LTCI usually only cover facility care, but is dependent on individual policies. If you have LTCI, you should consult your policy or your insurance agent.
An overview of which facilities are covered by Medicare/Medicaid
You can use the OurParents directory search on our site to find nursing homes in your area or call (877) 917 - 0579 to be connected to your local Care Advisor. Your Care Advisor will work with you to find senior care communities in your area that offer the care you or your loved one requires.
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