Assisted Living CareAfter an illness or injury, you or your loved one may have a need for skilled nursing care. You may worry about how you're going to pay for it, but being familiar with your insurance policy coverage will help you avoid unexpected medical bills.

Medicare offers assistance with skilled nursing care costs, but you have to meet certain conditions to qualify.

  • Medicare Part A coverage (with days left in benefit period)
  • Qualifying hospital stay of three consecutive days or longer
  • Physician's order for inpatient skilled-nursing services to be provided before your release
  • Care is provided in a Medicare-certified facility

Medicare will cover the cost of skilled nursing care for covered services in full for up to 20 days.

If you need skilled nursing care for more than 20 days, Medicare will cover all expenses for covered services, but you'll pay a daily co-insurance. Co-insurance could cost up to $157.50 per day, but if you have extended coverage, such as a Medicare Supplement Insurance policy, or are in a Medicare Advantage plan, your co-insurance may be partly or fully covered.

If you'll require skilled nursing care for more than 100 days, you'll need another qualifying hospital stay to begin a new benefit period.

You may require skilled nursing care following an illness or surgery, and if you can, it's important to plan ahead. Call the phone number on the back of your Medicare card to see if they have a list of skilled nursing facilities in your area. Once you know which locations are covered, you can evaluate them and choose one to your liking. (Embassy's skilled nursing facilities are all Medicare-certified.)

You can also find a list of Medicare and Medicaid-certified skilled nursing facilities in your area online at Medicare.gov or by contacting your local Area on Aging office.

Medicare doesn't cover custodial care services, such as help bathing or eating, if it's the only kind of care you need. Supplemental insurance policies may cover custodial services, so be sure to make yourself familiar with your coverage benefits before the need arises.

If you need help understanding your benefits, our admissions coordinators can help you. Feel free to call us anytime at 888-975-1379.