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Nursing Homes
Sherrie BennettNursing homes - sometimes called "rest homes" - provide 24-hour-per-day professional medical coverage. There are different levels of care, depending on the needs of the particular resident. Types of nursing homes include:
- Skilled nursing care facilities
- Intermediate care facilities, with a higher degree of medical supervision and skill
- Custodial care facilities, for those who need to be monitored but don't need a lot of constant medical attention
The quality and quantity of medical staff is particularly important when investigating nursing home facilities. Be sure to ask lots of questions about the qualifications of the medical staff, how many nurses and doctors are present at different times of the day and night, and what type of monitoring procedures are in place.
Paying For Nursing Home Care
Nursing home care, which can cost from $3,000 per month and upward for long periods of time, can be paid for with:
- Long-term care insurance
- Medicare (but only if skilled nursing or rehabilitation services are required)
- Government rent subsidies for the low-income
- Medicaid
- Managed Care Plan health insurance, if the nursing home has a contract with the plan
- Medigap (Medicare Supplemental Insurance), which can be purchased privately
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