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Thursday, June 25, 2009

Skilled Nursing Facility Facts To Know

By Bill Bates Debra Downing Chris Carter

Skilled nursing facilities, also commonly known as nursing homes, provide care for individuals who can no longer live independently. If you are searching for elder care solutions for someone close to you, you will probably want to consider nursing home placement at some point.

There are many different types of services provided by skilled nursing facilities, including but not limited to: dental care, including laboratory and routine dental services, occupational, physical, and speech therapy, personal care, dietary consultation, supervision and custodial care and social activities.

Cost is usually a factor in every care decision. Individuals with long-term care insurance have the ability to pay reduced rates for care, and can save significant amounts of money over time. To see if your loved one qualifies, contact their insurance broker. You may be able to qualify for Medicaid, but requirements vary by state so it makes sense to start exploring this option ahead of time.

Another option, Medicare, only pays for SNF care when it is classified as medically necessary, but does not pay for residential, non-emergency care after twenty days. Care decisions can be difficult, so be sure to consider all of your options and the wishes of your loved one, your family members, and physicians recommendations before deciding. If you fee overwhelmed you should consult a service to help with option choices.

Each skilled nursing facilities can be different but they are usually comprised of two separate components. One component is a unit that provides skilled nursing care that is paid for by Medicare. The other part of the facility provides non-skilled or custodial care.

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