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Financial Considerations for Senior Care
Understanding how to pay for assisted living and other senior healthcare services for your loved one is important to the search process. The following information will help you understand healthcare costs and the different methods of paying for assisted living and other healthcare services at CareOne locations.
Medicare insurance generally covers patients who need sub-acute/post-hospital care. Medicare requires a hospital stay of at least three nights, within thirty days of admission to a CareOne center, to qualify for coverage. As a general rule, Medicare covers the first twenty days of the stay in full and can cover up to 100 days, with days twenty-one to 100 covered at 80 percent. Patients are required to meet clinical criteria for coverage as defined by Medicare. However, there is no guarantee of specific coverage.
Medicare Advantage Plans work essentially the same as traditional Medicare. All CareOne centers accept Medicare Advantage Plans. The main difference between traditional Medicare and Medicare Advantage is that Medicare Advantage Plans require authorization from the insurance company before admission to CareOne. The CareOne Admissions Office will work to coordinate what is needed with your hospital discharge planner. Most plans carry a co-insurance and/or deductible, please refer to your benefits handbook to understand what your co-insurance and/or deductible may be at our center.
For patients who require sub-acute/post-hospital care, Medicare Supplement Insurance plans may offer assistance and cover charges not covered by Medicare. Typically, this includes covering Medicare co-pay days (days twenty-one to 100) when a patient requires a longer stay. Please contact the Admissions Office at the CareOne location of your choice, and we will be glad to verify coverage with your insurance company.
CareOne participates with most major HMO and managed care plans. Before admission to one of our centers, our Admissions Office will contact your insurance company for pre-authorization and to verify benefits. Please contact the Admissions Office at the CareOne location of your choice, and we will be glad to verify coverage with your insurance company.
For long-term care and assisted living, care may be funded directly by the patient through his or her own financial resources. Before admission, CareOne will explain and review pricing and rates thoroughly. For rates and pricing, please contact the Admissions Office at the CareOne location of your choice, and we will be glad to assist you.
All CareOne centers accept long-term care insurance. Long-term care insurance plans generally pay for all or a portion of long-term care services and assisted living. CareOne can contact your insurance company to review benefits before admission. Please contact the Admissions Office at the CareOne location of your choice, and we will be glad to assist you.
Medicaid is the state funding program for long-term care. To qualify, contact your local Department of Social Services. Most CareOne centers are Medicaid certified. To learn more about the availability at the CareOne center of your choice, please contact the Admissions Office.
CareOne participates with most Workers’ Compensation insurance, Preferred Provider Organization (PPO) insurance, motor vehicle insurance, and commercial insurance plans. Most plans carry a co-insurance and/or deductible, please refer to your benefits handbook to understand what your co-insurance and/or deductible may be at our center, or to learn more, contact the Admissions Office at the CareOne center near you.
The Centers for Medicare & Medicaid Services require hospitals to make a list of standard charges available to the public via the Internet in a machine-readable format. Please note the standard charges provided may not accurately reflect what any given individual is likely to pay for a particular service as this will be dependent upon your insurance coverage and the terms of the insurance plan. You should also check with your insurance coverage to determine if you will have any out-of-pocket costs.
*Note some charges may be subject to change during the year without notice and the timing of updates may impact the posted charges on this site.