You can pay for the health care services you receive on a private pay basis as the services are provided. This allows you to choose—and pay for—only the services you desire.
Medicare Part A covers the cost of skilled care in a Skilled Nursing facility for a limited time. The Medicare benefit covers 100% of the cost of skilled care for up to the first 20 days.
If skilled care is still required for 21-100 days (or any portion thereof), there is a daily coinsurance payment. (Medigap Coverage or Long-Term Care insurance may be able to cover this.)
Medigap insurance, which is sold through private insurance companies, helps pay for costs that Medicare doesn’t cover, such as co-pays and deductibles.
Long-Term Care insurance can help pay for nursing home care. This insurance may also cover the cost of in-home care, adult day care, assisted living and services provided in continuing care communities. The amount of coverage and the eligibility requirements may differ. If your loved one has a policy, read it carefully.
