What is long-term care insurance?

Long-term care insurance (LTC or LTCI) helps cover the cost of long-term care in a skilled nursing facility, beyond a certain predetermined period and is meant to pay for care not covered by other insurance, Medicaid, or Medicare.

What does Medicare usually cover for a skilled nursing facility?

Medicare Part A (Hospital Insurance) provides time-limited coverage for skilled nursing care that is provided in a skilled nursing facility (SNF) when certain conditions are met. Learn more.

All of the following criteria must be met for the skilled care to be Medicare Part A eligible:

  • You have Medicare Part A* (Hospital Insurance) and have days left in your benefit period.
  • You have a qualifying hospital stay. This means an inpatient hospital stay of 3 consecutive days or more. You must enter the SNF within a short period of time of leaving the hospital.
  • Your doctor has ordered the services you need for SNF care, which require the skills of professional personnel such as registered nurses, licensed practical nurses, physical therapists, occupational therapists, speech-language pathologists, etc.
  • You require the skilled care on a daily basis and the services must be ones that can only be provided in a SNF on an inpatient basis.

You need these skilled services for a medical condition that:

  • was treated during a qualifying 3-day hospital stay, or
  • started while you were getting SNF care for a medical condition that was treated during a qualifying 3-day hospital stay.

Daily rate for skilled nursing care include room and board:

  • Three meals per day served in main dining or rehabilitative dining areas
  • Tray service, plus snacks
  • Special diets upon physician order
  • Housekeeping daily
  • Linens for bed and bath
  • Administration of prescribed medications
  • Round-the-clock supervision by licensed nurses and nurse assistants
  • Feeding assistance
  • Regular Weekly Activities
  • Occupational and recreational programs
  • Medication review
  • Social services consultation
  • Rooms that federal and state guidelines
  • Planning and referral upon discharge
PLEASE NOTE: THE DAILY ROOM RATE DOES NOT INCLUDE PHYSICIAN VISITS, DENTIST CARE, MEDICATION, SUNDRIES, MEDICAL SUPPLIES AND MATERIALS, SUPPLIES AND LINENS FOR INCONTINENCE, DOCTOR ORDERED THERAPIES INCLUDING PHYSICAL, OCCUPATIONAL & RESPIRATORY THERAPY, DIAGNOSTIC TESTS, OTHER SPECIALIZED CARE PROCEDURES, ETC.

What might Medicare pay for long term elder/senior care?

Most long-term care isn’t medical care but rather is a range of support services for personal care. Medicare pays for skilled nursing care in a SNF up to 100 days per qualifying spell of illness.

Do you accept private healthcare insurance?

Yes, we accept individual health insurance or private pay.  Please see our admittance staff for more information.

Do you accept Medicaid patients?

Yes, we do. For additional questions, please ask our admitting staff.

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