Who pays? How?

If the resident has funds, care is privately funded based on a daily rate charge. Medicaid funding is available only if the facility is Medicaid certified and the resident financially and medically qualifies. Not all facilities are Medicaid certified.

Medicare funding is only available under very specific conditions, dependent on the type of services needed. It will not pay for long-term care needs but will usually pay for short-term rehabilitation when such rehabilitation and Improvement is anticipated. Because of the restrictive and limited nature of this reimbursement, only a limited number of facilities are Medicare certified.

Long Term Care Insurance policies cover differing levels of service. This is very dependent on the language of the policy. Ask a facility to assist in reviewing the language of the policy.