If you or a loved one are considering a nursing home as a care option, you may be wondering if Medicare will cover the cost. The answer is yes, Medicare does cover skilled nursing care in a nursing home, but there are certain eligibility requirements and limitations to keep in mind.
Eligibility for Medicare Coverage of Nursing Home Care
In order for Medicare to cover the cost of skilled nursing care in a nursing home, the following conditions must be met:
- The patient must have a qualifying hospital stay of at least three days.
- The patient must need skilled nursing care on a daily basis, which must be provided by a Medicare-certified nursing home.
- The patient must enter the nursing home within 30 days of their hospital stay.
- The care must be related to the condition that led to the hospital stay.
If these conditions are met, Medicare will cover the cost of skilled nursing care for up to 100 days. After 100 days, the patient will be responsible for the full cost of care.
What Does Medicare Cover in a Nursing Home?
Medicare will cover the following services in a nursing home:
- Semi-private room
- Skilled nursing care
- Rehabilitation services, such as physical therapy and speech therapy
- Medical supplies and equipment
- Medications that are administered by nursing home staff
It’s important to note that Medicare does not cover long-term care in a nursing home. If a patient requires long-term care, they will need to pay for it themselves or look into other options, such as Medicaid.
Choosing a Nursing Home
When choosing a nursing home, it’s important to make sure that the facility is Medicare-certified in order to ensure that Medicare will cover the cost of care. Additionally, it’s a good idea to research the nursing home’s reputation and quality of care to make sure it meets your standards.
If you or a loved one are in need of skilled nursing care, Medicare can help cover the cost of care in a nursing home. However, there are certain eligibility requirements and limitations to keep in mind. By understanding what Medicare covers and how to choose a Medicare-certified nursing home, you can make an informed decision about the best care options for you or your loved one.