I Am Considering Skilled Nursing
Understanding Your Skilled Nursing Options
When you or a loved one needs additional medical care after an illness, injury, surgery, or hospitalization, skilled nursing may be an important part of the recovery process. Understanding your care options, costs, and available benefits can help you make informed decisions.
We can help you understand the financial and planning considerations that may come with skilled nursing care.
Understanding the Cost of Care
The cost of skilled nursing can vary depending on the type and length of care you need, your insurance coverage, and the
facility you choose.
Medicare Part A may cover certain skilled nursing facility services when eligibility and coverage requirements are satisfied. Medicaid may also help with nursing home costs for people who meet their state’s eligibility requirements.
Understanding what your current coverage will pay—and what you may need to pay yourself—is an important part of planning ahead.
What Is Skilled Nursing?
Skilled nursing facility care provides short-term medical and rehabilitation services for individuals who need professional nursing care or therapy. Depending on your needs, care may include:
Skilled nursing services
Physical, occupational, or speech therapy
Medication management
Recovery following an illness, injury, or surgery
Assistance coordinating your ongoing care
Medicare may cover certain skilled nursing services when specific requirements are met. Skilled nursing care is different from long-term custodial care, which generally involves help with everyday activities such as bathing, dressing, and eating.
Waiting until a health crisis occurs can make financial and care decisions more difficult. Planning ahead gives you and your family an opportunity to understand your options and prepare for potential expenses.
Consider reviewing:
Your Insurance Coverage
Your Financial Resources
Review the assets and income that may be available to help pay for care.
Your Care Preferences
Discuss where and how you would prefer to receive care if your health needs change.
Your Legal Documents
Make sure important estate planning and financial documents are current and reflect your wishes.
How We Can Help
Skilled nursing can involve more than choosing a facility. It may also raise important questions about your finances, benefits, assets, and long-term planning.
We can help you understand the planning considerations involved and identify questions you should discuss with your family and professional advisors.
Plan Ahead. Protect What Matters.
If you are considering skilled nursing for yourself or a loved one, now may be the right time to review your options.
