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Assisted Living vs Nursing Homes: Understanding the Differences and Insurance Coverage
When it comes to senior care, there are several options available, and it can be confusing to understand the differences between them. Two popular options are assisted living and nursing homes. While both provide care and support to older adults, there are some key differences that set them apart.
Assisted living facilities are designed for seniors who need help with activities of daily living (ADLs) such as bathing, dressing, and grooming, but do not require 24/7 medical supervision. These facilities provide a combination of housing, support services, and health care, but are not medical facilities. Residents live in private apartments or shared rooms and have access to a range of amenities and activities.
Nursing homes, also known as skilled nursing facilities, provide a higher level of medical care and support than assisted living facilities. They are designed for seniors who need more intensive care, such as rehabilitation after a hospital stay or ongoing medical treatment. Residents receive around-the-clock medical attention and care from licensed nursing professionals.
Medicare in Assisted Living
Medicare does not cover the cost of assisted living. However, some assisted living facilities may accept Medicare as secondary insurance to cover the cost of short-term rehabilitation or other medical services. It is important to check with the individual facility to see what services they cover.
Insurance Coverage for Assisted Living
In general, health insurance policies do not cover the cost of assisted living. However, some long-term care insurance policies may provide coverage for assisted living. It is important to check with your insurance provider to see what is covered and what options are available.
We hope you find this resource video gallery useful as you consider Senior Living as an option.
In conclusion, assisted living and nursing homes provide different levels of care and support for older adults. While Medicare does not cover the cost of assisted living, some facilities may accept it as secondary insurance. Insurance coverage for assisted living will vary, so it is important to check with your insurance provider to see what options are available.