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What is the policy on insurance and personal property?.Does the nursing home meet state fire regulations (including a sprinkler system, fire-resistant doors, and a plan for evacuating residents)?.Does the nursing home's administrator have an up-to-date license?.Does the nursing home meet local and/or state licensing requirements?.Does the nursing home provide the level of care needed?.Review the following checklist before visiting a facility. The following checklist will help you and your family evaluate different nursing homes. What Should I Look for in a Nursing Home? Each policy has its own eligibility requirements, restrictions, costs, and benefits. Private long-term care insurance policies vary greatly. Private long-term care insurance is a health insurance option that, if purchased, supplements Medicare coverage.It's a good idea to work with a lawyer who specializes in elder law when determining Medicaid eligibility. Once their money runs out, Medicaid would kick in. This means that they might pay for nursing home care out of pocket initially. To become eligible for Medicaid coverage, people usually have to spend all of their assets first. Nursing home care is covered through Medicaid, but the requirements and covered services vary widely from state to state. Medicaid is a joint federal/state health insurance program providing medical care benefits to low income Americans who meet certain requirements.Medicare only pays for skilled care in a nursing facility that has a Medicare license. If a person needs custodial care alone, Medicare won't cover it. Medicare will only provide 100 days of nursing care, and only if a person requires skilled care and is referred by a doctor when discharged from the hospital. Insurance protection intended to cover major hospital care is provided without regard to income. Medicare is a federal health insurance program providing health care benefits to all Americans age 65 and over.Here's a brief summary of some of the financing options.
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When evaluating nursing homes, it's important to ask the administrative staff what payment options they accept. Payment for nursing home care can be made through Medicare, Medicaid, private insurance, and personal funds. What daily activities do I need help with (bathing, dressing, toileting assistance, eating)?īefore scheduling a visit to the nursing homes you are interested in, ask about vacancies, admission requirements, level of care provided, and participation in government-funded health insurance options.Īs you and your family evaluate your long-term care needs, it's important to consider financing options.Take time to consider what services are important to you before calling different nursing homes. Talk with your family and caregivers about what services you will need. Planning ahead also can make the transition of moving into a nursing home much easier. There are often long waiting periods for available accommodations. It is important to begin the search for a suitable nursing home well in advance of seeking admission to the facility. Personal care (including dressing, bathing, and toilet assistance)įinding the right nursing home takes time.The services nursing homes offer vary from facility to facility. Skilled care also includes services provided by specially trained professionals, such as physical, occupational, and respiratory therapists. Skilled nursing care is given by a registered nurse and includes medical monitoring and treatments. Nursing homes offer help with custodial care - like bathing, getting dressed, and eating - as well as skilled care. Nursing homes offer the most extensive care a person can get outside a hospital. What Type of Care Do Nursing Homes Provide? A nursing home facility may be the best choice for people who require 24-hour medical care and supervision. Long-term care refers to a comprehensive range of medical, personal, and social services coordinated to meet the physical, social, and emotional needs of people who are chronically ill or disabled.