Original Medicare & Skilled Nursing Care

A skilled nursing facility is ideal for short-term support, while nursing homes offer long-term residential care.

Memory care is considered a form of skilled nursing. The goal of skilled nursing services is to rehabilitate the patient's specific needs. Memory care is specifically designed to help patients suffering from Alzheimer's or Dementia.  A personal care provider can also administer this type of care.  “Medicaid consumer-directed care program”

Original Medicare:   Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare.  Medicare Supplement Plan G covers the 1^st 100 days at 100%.

Medicare Part A pays 100% for 20 days and approximately 80% for 80 more days.

Most Medicare supplemental policies (Medigap) will cover the remaining approximately 20%.
Seniors can therefore receive up to 100 days of nursing home care with little out-of-pocket cost.
After 101 days, Medicare no longer provides a benefit. This is where a long-term care plan would help pay for the expenses.  Medicare-covered services in a skilled nursing facility can include:

• A semi-private room (a room you share with other patients)
• Meals
• Skilled nursing care
• Physical therapy
• Occupational therapy
• Speech-language pathology services
• Medical social services
• Medications
• Medical supplies and equipment used in the facility
• Ambulance transportation to the nearest supplier of needed services that aren’t available at the SNF
• Dietary counseling