What is long-term care insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

What can we expect Medicare to pay for a skilled nursing facility?

Medicare Part A (Hospital Insurance) covers skilled nursing care provided in a skilled nursing facility (SNF) under certain conditions for a limited time. Learn more.

Medicare will cover skilled care only if all of the following are true:

  • You have Medicare Part A* (Hospital Insurance) and have days left in your benefit period.
  • You have a qualifying hospital stay. This means an inpatient hospital stay of 3 consecutive days or more. You must enter the SNF within a short period of time of leaving the hospital.
  • Your doctor has ordered the services you need for SNF care, which require the skills of professional personnel such as registered nurses, licensed practical nurses, physical therapists, occupational therapists, speech-language pathologists, etc.
  • You require the skilled care on a daily basis and the services must be ones that can only be provided in a SNF on an inpatient basis.

You need these skilled services for a medical condition that:

  • was treated during a qualifying 3-day hospital stay, or
  • started while you were getting SNF care for a medical condition that was treated during a qualifying 3-day 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 upon physician order
  • Daily assistance with activities of daily living (ADLs), i.e., dressing, bathing, ambulation, personal hygiene and needs
  • Daily housekeeping service
  • Bed and bathroom linens (less incontinent care linens)
  • Administration of medications as prescribed by either attending/alternate physician
  • 24-hour supervision by licensed nursing personnel (R.N. or L.P.N.) and Certified Nursing Assistants
  • Assistance with feeding
  • Planned activities
  • Recreational and occupational programs
  • Drug regimen review
  • Social services consultation
  • Discharge planning and referral service
  • Rooms furnished in accordance with state and federal regulatory agencies
PLEASE NOTE: THE DAILY ROOM RATE DOES NOT INCLUDE THE FOLLOWING: PHYSICIAN VISIT CHARGES, DENTIST VISIT CHARGES, MEDICATION AND SUNDRY ITEMS, RESIDENT CARE MEDICAL SUPPLIES AND MATERIALS, INCONTINENT CARE SUPPLIES/LINENS, SPECIAL PHYSICIAN ORDERED THERAPIES SUCH AS PHYSICAL THERAPY, OCCUPATIONAL THERAPY, RESPIRATORY THERAPY, DIAGNOSTIC TESTS, AND OTHER SPECIALIZED CARE PROCEDURES, ETC.

What can we expect Medicare to pay for long term senior/elder care?

Long-term care is a range of services and support for your personal care needs. Most long-term care isn’t medical care. What you might mean is care in a long-term care hospital or skilled nursing facility. Learn more about your options.

What private healthcare insurance do you accept?

We accept private insurance and private pay. For additional questions, please ask our admittance staff.

Do you accept patients on Medicaid?

Yes, we do. For additional questions, please ask our admitting staff.

Come See for Yourself

Our top-quality care creates results.  In fact, our discharge to home rate is above the national average.  And our beautiful, comfortable surroundings make guests feel right at home. Come see what makes Broadmoor Medical Lodge so special.