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Approximately thirteen percent of the US population is aged 65 or older. Of this group, approximately one in ten will require some type of nursing home care at some point in their future. For people over the age of 85, about one in four will require nursing home care. The annual costs of nursing home care ranges from $50,000 to $60,000. Less than two percent of this is covered by Medicare government assistance. In light of this, many people seek nursing home insurance to help cover the costs of nursing home care.

There are three categories of nursing home care that affect nursing home insurance coverage plans. Skilled care involves one or more professional nursing procedures that are performed on a daily basis, such as physical therapy or changing IV sets. Medicare covers this type of care after three days of hospitalization and only if special care is required every day. Intermediate care requires professional medical procedures on a periodic basis, such as changing bandages or giving injections. Both of these types of care are generally not covered for longer than six months. Medicare generally covers this type of care for two to four weeks. Custodial care is the care given to a nursing home resident that does not include medical procedures. This includes personal care aid such as eating, drinking, dressing, walking, and taking medication. Medicare and some nursing home insurance s do not cover custodial care at all.

Even when Medicare coverage is possible, there may be difficulty actually receiving this aid. Some treatment does not meet the requirements of Medicare, even if skilled care is required. If treatment is covered, some nursing homes do not accept Medicare patients. And even if a nursing home does accept Medicare, there may not be a bed specifically reserved for Medicare patients available.

Nursing home insurance rates can vary from company to company so it is important to shop around when seeking nursing home insurance. There are some important questions to keep in mind when looking for nursing home insurance. You will want to ask what levels of care are covered, how long the policy allows for skilled or intermediate care (should cover six months), how much per day the policy will cover for this care, when the policy benefits begin, policy limitations and exclusions, how long a patient has to be hospitalized before policy eligibility, and how much the policy will cost.

The factors that a nursing home insurance company may use in deciding the type of coverage they can offer include: your age, your health status, the length of time coverage is available, policy coverage options and details, and eligibility for discounts.

Nursing home insurance can help you secure your independence and your personal financial assets, but it is important to find an affordable and reasonable plan that will meet your personal needs. Speaking to a lawyer who is well trained in the area of nursing home insurance can help you discover a nursing home insurance plan that is right for you.

"Kane Regional Center’s Glen Hazel Abuse Case"

Five former employees of a Pittsburgh nursing home facility, Kane Regional Center’s Glen Hazel, were recently arrested for abusing an elderly patient. The five individuals were all charged with » Read More

 

"Virgil Calvert Center Abuse Lawsuit"

A personal injury attorney in Illinois has filed a lawsuit against Virgil Calvert Nursing and Rehabilitation Center on behalf of a former resident, claiming she developed decubitus ulcers as a result of » Read More

 

"Caregiver arrested, and Suspected of More Abuse"

A former caregiver was arrested Oct. 2 following a nearly year-long investigation of the death of an 80-year old resident of a senior living facility in Calabasas. Cesar Ulloa is also suspected of abusing three other elderly residents of the home.

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» Read More

 

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