Nurse helping man out of bed in skilled nursing facility.After an illness or injury that requires treatment in a hospital, you or your loved one may have a need for skilled nursing care. Being familiar with your insurance policy will help you avoid unexpected medical bills, especially when it comes to Medicare.

Medicare offers financial assistance for those meeting the following conditions:

  • 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 (all Embassy skilled nursing facilities are certified)

It’ll also cover the entire cost of skilled nursing care for select services for up to 20 days.

After 20 days, Medicare will cover all expenses for covered services, but you’ll pay a daily co-insurance amount of $167.50. 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.

Medicare provides no further coverage after 100 days, unless you have additional insurance that covers it. You’ll need another qualifying hospital stay to begin a new benefit period, which can begin when you haven’t been an inpatient in a hospital or skilled nursing facility for 60 consecutive days.

Call the number on the back of your Medicare card for a list of skilled nursing facilities in your area.

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

Medicare does not cover custodial care services when it is the only care you need. Supplemental insurance policies may cover custodial services, so make yourself familiar with your coverage benefits before you need them.

If you need help understanding your benefits, our admissions coordinators may be able to help. Give us a call at 888-975-1379.