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Paying for Care

This additional information may be helpful to you when considering payment options.

Personal Resources
Nationally, about half of all nursing home residents pay nursing home costs out of their own savings and/or income.

Managed Care Plans
A managed care plan will help pay for care if the nursing home has a contract with the plan. The stay must be preauthorized by the managed care organization and continual authorization by the managed care plan is required during the stay. The Washington Home has contracts with several of the area's large managed care plans.

Under certain limited conditions, Medicare will pay some nursing home costs for Medicare beneficiaries who require skilled nursing or rehabilitation services. To be covered, you must receive the services from a Medicare certified skilled nursing home after a qualifying hospital stay. A qualifying hospital stay is the amount of time spent in a hospital just prior to entering a nursing home; a three-day qualifying hospital stay is required to trigger Medicare payment. Medicare pays 100 percent for the first 20 days and 80 percent after the first 20 days. The Washington Home is a Medicare certified skilled nursing home.

Medicaid is state and federal program that will pay most nursing home costs for people with limited income and assets. Eligibility varies by state. Medicaid will pay for nursing home care provided in a facility certified by the government to provide service to Medicaid recipients. The Washington Home is certified to accept D.C. Medicaid.

Medicare Supplemental Insurance
This is private insurance, often called Medigap because it helps pay for gaps in Medicare coverage such as deductibles and co-insurances. Most Medigap plans will help pay for skilled nursing care, but only when that care is covered by Medicare.

Long-Term Care Insurance
This is a private policy. The benefits of these plans vary widely.

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