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Hooper Law Office,LLC Estate Planning Blog

Monday, June 30, 2014

I have Medicare: should I worry about nursing home costs?

Yes;  Medicare is a health insurance program for those people over the age of 65.  Medicare will not pay for custodial care in the nursing home, but it will pay for rehabilitative care in a nursing home setting.  To qualify for Medicare coverage, a patient's nursing home stay must have been preceded by a three-night, or longer, hospital stay.  Typically, Medicare will pay for the first 20 days in the nursing home for those patients receiving physical therapy or other rehabilitative treatment.  Medicare will then pay a portion of the next 80 days in a nursing home.  After 100 days, Medicare will, in virtually all cases, cease payment.  Medicare also have the ability to terminate coverage before the end of the 100-day period if the patient is not making progress towards rehabilitation and recovery. 

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