A man and two women on a couch reviewing long-term care insurance at Spring Lake Skilled Nursing & Rehabilitation in Shreveport, LA

Understanding Insurance and Medicare Coverage

What is long-term care insurance?

Long-term care insurance, also known as LTC or LTCI, helps cover the cost of extended care in a skilled nursing facility after a certain period of time. It is designed to pay for services that are not typically covered by other insurance plans, Medicaid, or Medicare.

What does Medicare usually cover for a skilled nursing facility?

Medicare Part A, also known as Hospital Insurance, provides limited coverage for skilled nursing care in a skilled nursing facility when certain conditions are met. This coverage is time-limited and based on eligibility requirements. For more information, visit Medicare.gov.

All of the following criteria must be met for the skilled care to be Medicare Part A eligible:

  • You have Medicare Part A (Hospital Insurance) and have days remaining in your benefit period.
  • You have a qualifying hospital stay, meaning an inpatient stay of at least three consecutive days.
  • You must enter the skilled nursing facility within a short period after leaving the hospital.
  • Your doctor has ordered the services you need for skilled nursing care, which require the expertise of licensed professionals such as nurses or therapists.
  • You require skilled care on a daily basis, and these services must be provided in a skilled nursing facility setting.

You need these skilled services for a medical condition that:

  • Was treated during a qualifying three-day inpatient hospital stay, or
  • Began while you were receiving care in a skilled nursing facility for a condition that was treated during a qualifying hospital stay.

Daily rate for skilled nursing care include room and board:

  • Three meals per day served in main dining or rehabilitative dining areas
  • Tray service, plus snacks
  • Special diets as ordered by a physician
  • Housekeeping daily
  • Linens for bed and bath
  • Administration of prescribed medications
  • Round-the-clock supervision by licensed nurses and nurse assistants
  • Feeding assistance
  • Regular Weekly Activities
  • Occupational and recreational programs
  • Medication review
  • Social services consultation
  • Rooms that meet federal and state guidelines
  • Planning and referral upon discharge
DAILY RATE DOES NOT INCLUDE:
PHYSICIAN VISITS, DENTIST CARE, MEDICATION, SUNDRIES, MEDICAL SUPPLIES AND MATERIALS, SUPPLIES AND LINENS FOR INCONTINENCE DOCTOR ORDERED THERAPIES INCLUDING PHYSICAL, OCCUPATIONAL, & RESPIRATORY THERAPY, DIAGNOSTIC TESTS, OTHER SPECIALIZED CARE PROCEDURES, ETC.

What might Medicare pay for long term elder/senior care?

Most long-term care is not medical care but rather a range of support services for personal needs. Medicare may cover skilled nursing care in a skilled nursing facility for up to 100 days per qualifying period of illness, when eligibility requirements are met.

Do you accept private healthcare insurance?

Yes, we accept individual health insurance and private pay. Please contact our admissions team for more information.

Do you accept Medicaid patients?

Yes, we accept Medicaid. For additional questions, please speak with our admissions team.

Financial information for senior stay at nursing home in Spring Lake

Come See for Yourself

Our commitment to quality care is reflected in the results we achieve. Our discharge-to-home rate is above the national average, and our comfortable, welcoming surroundings help residents feel at ease.

We invite you to come see what makes Spring Lake Skilled Nursing & Rehabilitation so special.

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