Skileld N Insurance EmbassyOdds are high that someone in your family will need skilled nursing care at some point. According to the Centers for Medicare and Medicaid Services, most people age 65+ require some type of long-term care during their lifetime, and 40% of seniors need a period of time in an assisted living home.

The cost of that care can be financially stressful, but there are steps you can take to minimize the impact. They key is to familiarize yourself with your senior's healthcare policy and coverage, and explore your options for added financial support like Medicare and supplemental insurance.

Andrea Lawrence, Director of Business Development at Embassy Healthcare, explains how Medicare can help seniors who need skilled nursing care, particularly after an injury.

"Skilled nursing care typically follows time in the hospital," says Lawrence, and the average resident spends about 30 days in a skilled nursing community.

If the patient has been admitted for three consecutive nights and the discharge instructions include skilled nursing services like rehabilitation, fluids or wound care, Lawrence says "Medicare will cover 100% of costs for days one through 20. Starting at day 21, the patient will be responsible for a co-insurance payment. The amount of that co-insurance changes every year, but it's in the ballpark of $150 a day."

Lawrence points out that having a secondary insurance, like AARP, can cover most – if not all – of that coinsurance cost.
To further reduce costs for families, Lawrence says that skilled nursing communities typically pay for the services upfront, file treatment paperwork with Medicare and receive reimbursement from the agency.

Embassy Healthcare has skilled nursing communities across Ohio. If you're looking for a care community for your loved one, Embassy Healthcare has one close to home. Find an Embassy community in your area and arrange a tour today.