What happens when medicare stops paying for nursing home care?
When Medicare stops paying for nursing home care, the responsibility for paying for the care typically falls to the patient or their family members. This can happen for several reasons, including: Medicare coverage limits: Medicare covers up to 100 days of skilled nursing care per benefit period.
When Medicare stops paying for nursing home care, the responsibility for paying for the care typically falls to the patient or their family members. This can happen for several reasons, including:
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Medicare coverage limits: Medicare covers up to 100 days of skilled nursing care per benefit period. After the 100 days, Medicare will stop paying for nursing home care unless the patient meets certain requirements.
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Lack of medical necessity: If the patient's condition improves and they no longer require skilled nursing care, Medicare may stop paying for nursing home care.
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Non-covered services: If the patient receives non-covered services or supplies, such as personal care services or custodial care, Medicare will not pay for those services.
If Medicare stops paying for nursing home care, the patient or their family members will need to find another way to pay for the care. This could include:
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Private pay: The patient or their family members may need to pay for the care out-of-pocket.
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Medicaid: If the patient meets certain income and asset requirements, they may be eligible for Medicaid, which can help cover the cost of nursing home care.
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Long-term care insurance: If the patient has a long-term care insurance policy, it may cover the cost of nursing home care.
It's important to plan ahead for the possibility of needing long-term care and to understand the options for paying for that care. Working with a financial advisor or elder law attorney can help you develop a plan that meets your needs and budget.