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1. What does supplemental or long-term care insurance cover?

Insurance coverage is available to cover certain costs of nursing facility care. Some plans will supplement Medicare or Medicaid coverage and cover expenses beyond what these plans cover. Others pay for a portion of the daily expense for a set amount of days in a nursing facility.

If you or your family member has such insurance coverage, bring a copy of the policy to the attention of the nursing facility. You can then work with the administrative staff and discuss how they want to file claims to receive the best benefits.

2. What if I am a Veteran?

The Department of Veteran’s Affairs (VA) provides care in its own facilities to veterans in need of skilled or intermediate nursing care. The VA also provides both skilled and intermediate care to veterans through contracts with community nursing homes.

3. How do you apply for Medicaid?

Contact your local Department of Welfare or the Department of Health for an application. Because Medicaid is based on financial need, you will need to provide extensive information on your income, assets, and savings.

4. Who is eligible for Medicaid?

-You must meet a state-determined poverty level and certain health criteria.

-Medicaid is also the primary payer of services for persons with Mental Retardation and Developmental Disabilities.

5. What does it cover?

-For qualifying individuals, Medicaid pays for nursing facility services in a certified skilled or non-skilled facility.

-In many states, Medicaid will pay for assisted living services, although coverage is limited.