Personal Guide to Nursing Homes
What Is Long-Term Care?
Long-term care refers to a comprehensive range of medical, personal, and social services coordinated to meet the physical, social, and emotional needs of people who are chronically ill or disabled. A nursing home facility may be the best choice for people who require 24-hour medical care and supervision.
What Type of Care Do Nursing Homes Provide?
Nursing homes offer the most extensive care a person can get outside a hospital. Nursing homes offer help with custodial care -- like bathing, getting dressed, and eating -- as well as skilled care. Skilled nursing care is given by a registered nurse and includes medical monitoring and treatments.
What Does Medicare Cost?
Medicare is a health insurance program for people 65 and older. People younger than 65 who are disabled or who have end-stage kidney disease can also get health care through Medicare.
What you pay for Medicare depends on how much you earn each year and how much care you need. You pay a separate amount for each part of Medicare.
Medicare Part A
Part A is your hospital coverage.
Deductible costs. If you stay overnight in the hospital or use other Part A services, you'll pay a deductible. The deductible is the amount you must pay before Medicare pays anything for your care.
For 2013, the deductible for a hospital stay is $1,184.