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Learn About Nursing Homes

Nursing homes provide 24-hour care at a sub-acute level for a variety of needs, including individuals who can no longer live independently. A nursing home setting may also be appropriate for people with extended post-operative needs or complex medical monitoring. Some nursing homes are called skilled nursing facilities (SNF's) for insurance billing purposes.

   
     
What are Nursing Homes?

Nursing homes provide medical care, room and board to individuals of all ages on a short-term or long-term basis. Patients recovering from an illness or surgery often go to a skilled nursing facility to continue their recuperation before returning home. Nursing homes also provide long-term care to individuals requiring 24-hour nursing or custodial care. All nursing homes are licensed and regulated by the state.

What services are generally offered?

Nursing homes provide comprehensive nursing, medical, social and rehabilitative care. A licensed staff provides nursing care, including medication administration, care coordination, and all treatment regimens. Residents are under the care of a physician; and all nursing homes have a physician on call to respond to acute needs, write prescriptions, and order treatments and tests. Rehabilitation may include physical, occupational, recreational and speech therapies.

Residents receive assistance with personal care, such as bathing, meals, dressing and toileting. A registered dietician evaluates dietary requirements and ensures that they are met. Social activities and recreation are commonly provided; many facilities schedule activities for residents based on their needs and preferences.

What should I look for in a Nursing Home?

The federal government regulates nursing homes that receive federal money. Most states have additional regulations. The Medicare website maintains a great tool to compare nursing homes, with detailed information about the performance of every Medicare and Medicaid certified nursing home in the country.

In evaluating nursing homes, you may also wish to print out copies of GetCare.com's Nursing Home checklist, which provides detailed questions to help you compare facilities. Be sure to review the nursing home contract with a lawyer or other trusted advisor.

How do I pay for a Nursing Home?

Medicare pays for only a limited amount of skilled nursing care, limited to medically necessary recuperation or wound care. This is restricted to 20 days of full coverage and 80 days of partial coverage. Medicare does not pay for custodial care. If you have long term care insurance, check your policy to see what skilled nursing is covered.

The monthly costs for a nursing home can range from $1,500 to $6,000. Since skilled nursing care can be costly, many long-term patients eventually become Medicaid beneficiaries after their private funds are exhausted. Check with your insurance carrier, lawyer, or a qualified social worker to determine the type of reimbursement for which you qualify.

Updated 06/2000
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