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Families of loved ones who require long-term medical care may be concerned about the costs of such care and whether insurance covers nursing home and hospice stays. Wolcott View Manor Health & Rehabilitation Center, in Wolcott, CT, understands these concerns well, and they’re here to shed some light on these issues.

Before placing a loved one in a nursing home, you’ll want to understand the role insurance plays in the process. First, it’s important to note that Medicare does not typically cover long-term care at a nursing home — this includes room and board within in the facility. However, Medicare does cover other critical needs, such as doctor’s visits, supplies, and hospital stays. It may also cover rehab center services, such as occupational therapy and skilled nursing care.

Medicare also provides limited coverage in instances of short-term nursing home care. This usually follows a stay at the hospital if a doctor orders nursing care or a certain type of therapy in order to complete the rehabilitation process.

nursing homeIf the patient qualifies for Medicaid or other state-provided assistance, they may be able to help cover some portion of nursing home costs. Only some nursing homes accept Medicaid, so research this thoroughly before admitting a loved one to a specific facility. In some cases, Medicaid coverage kicks in after the patient has spent a certain amount of personal funds on care.

Some individuals opt to purchase long-term care insurance (LTCI), a product that provides coverage for nursing home and hospice care. Coverage for these policies vary — some have term limits and only provide coverage for a certain period of time, while others are designed to cover costs for the lifespan of the insured.

To learn more about the holistic care offered at Wolcott View Manor Health & Rehabilitation Center, visit the company’s website or give them a call at (203) 879-8066. You can also like the center on Facebook.

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