Medicaid covers nursing home care for eligible beneficiaries for as long as that level of care is needed, whether for a few weeks or. Your state's Medicaid program must pay 100% of the costs of a nursing home if you need long-term care and your income and assets are below certain levels set by your state. Each state has its own asset and income limits (more on this below). Medicaid is the main payer of nursing care and provides long-term care services not offered by Medicare.
Medicare covers up to 100 days of care in a skilled nursing facility after a qualifying hospitalization and does not cover long-term care in a nursing facility, care in a foster care facility, or care in a nursing facility that does not follow a qualifying hospitalization. Despite Medicaid's primary role in funding nursing facility services, KFF surveys show that four out of ten people identify Medicare as the primary source of coverage for low-income people in nursing facilities. Summary Medicaid long-term care will cover nursing home care and long-term care in the community, as long as beneficiaries continue to meet their financial and functional eligibility requirements. State Medicaid agencies complete annual Medicaid renewals to recheck eligibility, which can be jeopardized for many reasons, and beneficiaries must complete renewal documentation on time. Long-term care in the community also depends on the availability of programs, funds and caregivers.
The Indiana Medicaid program is a jointly sponsored federal and state health care plan for people who meet medical and financial requirements. Like most states, Indiana Medicaid can pay for rehabilitation, acute medical care, and long-term care for older people in nursing homes, assisted living, and home health care. Medicaid doesn't impose any temporary restrictions on the amount of time it will cover nursing home care. Once approved, residents can continue to receive benefits as long as they need the services of a nursing home and are still financially eligible. The program is designed to provide uninterrupted care for people with chronic conditions, degenerative diseases, or cognitive deficiencies that make independent living impossible.
There are no limits on annual or lifetime benefits tied solely to duration.
