You pay 100% for services not covered, including most long-term care. Use these resources to learn more about Home Care near Silverado CA. Medicare won't pay for care in a nursing home, except for some stays under specific conditions. Medicare will pay for a nursing home stay if it is determined that the patient needs specialized nursing services, such as help to recover after a medical problem, such as surgery or stroke, but not during more than 100 days. Medicare will cover part-time skilled nursing care, physical therapy, occupational therapy, and other specialized care services provided in your home if you meet certain conditions.
However, this coverage is usually short-term and does not include 24-hour care, food delivery, or help with activities of daily living, such as bathing and dressing. Medicare generally pays 100% of the eligible costs of care in a skilled nursing facility for up to 20 days. You can get non-medical long-term care services at home, in the community, in an assisted living facility, or in a nursing home. Because this type of personal care is not medical, it can be provided by care aides and does not require the presence of a nurse or doctor.
However, the rule means that spending two midnight nights under observation doesn't count toward the three days of hospitalization that patients need to qualify for coverage in a nursing home or in the SNF. If your loved one has a Medicare Advantage plan, the plan may cover some of the costs of health care in a nursing home or skilled nursing facility, but it won't cover custody care, help with ADL, or monthly rent. Medicare Part A will fully cover an older person's rehabilitation stay in a nursing home for up to 20 days, and partially for days 21 to 100. Nursing homes provide a safe alternative for older adults who need high-level, long-term care beyond what assisted living can provide.
The right long-term care insurance policy is often the most comprehensive solution for addressing long-term care costs. Privately purchased Medicare Advantage plans (Part C) vary widely in terms of coverage, but they generally only cover short-term nursing home stays if someone needs specialized nursing care. Given the magnitude of these potential expenses, it's important to plan for long-term care long before retirement. An older person must meet several criteria for Medicare Part A, as well as the criteria for Medicare nursing homes. One way to cover the costs of a nursing home or of staying in a similar environment is to take out long-term care (LTC) insurance.
For comprehensive long-term care protection, a specific long-term care insurance policy would be more appropriate. Medicare won't pay for custody care for a person with Parkinson's disease, if that's all you need. Medicaid can provide broader long-term care coverage for those who meet income and asset requirements.
