When it comes to nursing home care, there are a lot of different factors that come into play. One of the most important things to consider is how much you’ll have to pay for it. If you’re wondering how much Medicare pays for nursing home care, you’re not alone. In this article, we’ll explore the topic of Medicare and nursing home care, including what Medicare covers and what you’ll be responsible for.
Understanding Medicare and Nursing Home Care
First, it’s important to understand what Medicare is and what it covers. Medicare is a federal health insurance program that’s available to people over the age of 65, as well as to people with certain disabilities. Medicare is divided into different parts, including Part A and Part B. Part A covers hospital stays, while Part B covers doctor visits and other outpatient care.
Medicare and Skilled Nursing Care
When it comes to nursing home care, Medicare Part A is the most relevant. Medicare Part A covers what’s known as “skilled nursing care.” Skilled nursing care refers to care that’s provided by licensed medical professionals, such as registered nurses or licensed practical nurses. This can include things like wound care, physical therapy, and other medical treatments.
Medicare and Custodial Care
However, Medicare does not cover what’s known as “custodial care.” Custodial care refers to care that’s provided by non-medical professionals, such as nursing assistants or other caregivers. This can include things like help with bathing, dressing, and other daily activities.
How Much Will You Have to Pay?
So, how much will you have to pay for nursing home care if you have Medicare? The answer depends on a few different factors. If you require skilled nursing care, Medicare Part A will typically cover the entire cost of your care for the first 20 days. After that, you’ll be responsible for a daily coinsurance payment for days 21 through 100. If you have a Medicare supplement plan, this coinsurance payment may be covered.
What Happens After 100 Days?
If you require skilled nursing care for more than 100 days, you’ll be responsible for the full cost of your care. At this point, you may need to consider other options, such as Medicaid or long-term care insurance.
Other Factors to Consider
It’s also important to consider other factors when it comes to nursing home care and Medicare. For example, not all nursing homes accept Medicare, so you’ll need to find a nursing home that does if you want your care to be covered. Additionally, Medicare may only cover a portion of your care if you require specialized treatments or medications.
In conclusion, Medicare can be a helpful resource when it comes to nursing home care, but it’s important to understand what’s covered and what you’ll be responsible for. By understanding how Medicare works and what you’ll need to pay, you can make an informed decision about your care.