Medicare does not pay for nursing home care for convalescent needs. What Medicare will pay for is medical care. How does this apply in the nursing home? Yes there are times where you would receive medical care, called skilled nursing care, while housed at a nursing home. Medicare does cover skilled nursing care but the requirement is there be a prior hospital stay of three nights and additionally the receipt of specific skilled nursing and rehab services during the stay at the nursing home.
Most folks think of nursing homes as being where grandma and grandpa go to die when they are really old. That is one use for the facility. However more recently there is a growth in the use of nursing homes for rehab care. Folks who have hips or knees replaced may spend a week rehabbing in a nursing home where they get both nursing and rehab care. So unless this is the kind of care you get Medicare does not pay.
For convalescent care in a nursing home, such as help with activities of daily living you either pay out of pocket or use a Long Term Care Insurance policy to help pay. Of course you do have to get the Long Term Care Insurance policy ahead of when you need to use it. That also requires that you meet underwriting requirements as well. For assistance from a professional advisor for Long Term Care Insurance in Texas give us a call.
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