Who Pays For Nursing Home Care?
At one time or another many of us will need to spend some time in a nursing home setting, the question is, “Who pays for nursing home care?”
All of us hope to grow older, the alternative to that of course is death and none of us wants to die. With that said as we grow older there is the chance that we may need to spend some time in a nursing home to help us to recover from incidences of poor health or accident. So, who pays for nursing home care?
Who pays for nursing home care?
The answer to that question depends on your ability to pay for nursing home care yourself or if you have insurance that will cover you for such a stay. The other option that you will have is for Medicare or Medicaid to pay for it in the absence of your ability to pay.
What will Medicare pay for?
Medicare will pay only on a limited basis. You will need to make sure that the nursing home is Medicare certified and you must meet certain conditions in order for Medicare to pay for any care at all.
Conditions for Medicare to pay for your stay
• Physician certified need for rehabilitative care or skilled nursing
• Your admission into a nursing facility must be made within 30 days of hospitalization, and be for the same condition
• Skilled nursing care is necessary every day
• Hospitalized three consecutive days which does not include the day of discharge
If you meet these conditions then the first 100 days in a nursing home may be paid by Medicare.
Does Medicaid pay for nursing home care?
Medicaid is the answer to who pays for nursing home care in cases where a person cannot afford to pay for it themselves.
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