Long-term care includes medical and non-medical care to people who have a chronic illness or disability.
Generally, Medicare does not pay for most long-term care. Medicare pays only for medically necessary skilled nursing facility or home health care and you must meet certain conditions to be eligible for this type of care. The patient must be improving and coverage ends after 100 days. Medicare does not pay for "custodial care" in a Nursing Home.
Custodial care occurrs when a person's condition has leveled and continued improvement is unlikely. At this point Medicare would no longer cover for services to help an individual needing assistance with Activities of Daily Living.
Activities of Daily Living (ADL’s). ADL’s include assistance with bathing, dressing, feeding, toileting and mobility.
Questions to consider are the level and type of care needed? What are your preferences? What can you afford? What options are available in a given local community? These questions are what we,at Sterling Services Group, can help you answer.
Important benefits available in our Long Term Care Policies are:
No prior hospital stay required.
Care is covered in all settings, home, assisted living and nursing homes.
