MassMutual
long term care insurance:  what is long term care?
medicare
Medicare in a Nursing Facility
Medicare covers some skilled care in an approved skilled nursing facility.
A minimum three-day prior hospital stay is required.
The patient must enter a facility within 30 days after discharge from a hospital.
The patient must continue to show improvement.

Medicare in a Home Setting
The patient must be confined to home and under a doctor's care.
Covers part-time skilled nursing care or physical therapy, speech-language therapy and home health aid services.
The patient's condition must continually improve.

Examples of skilled care:
Short-term IVs or tubing
Physical or speech therapy
Dressing bed sores

Examples of non-skilled care:
Oxygen or respiratory therapy
Colostomy drain
Catheter maintenance
Assistance with Activities of Daily Living (ADLs) such as bathing, eating, dressing, toileting, transferring and continence

What does Medicare pay when parameters are met*?
Time Period Individual Pays Medicare Pays
0 to 20 days $0 All Costs
21 to 100 days First $114 Above $114
Over 100 days All Costs $0

*Figures for 2005

Medicare guidelines vary by state. Contact your local Medicare office for details.

For more information regarding benefits provided by Medicare or Medicaid, visit the Centers for Medicare and Medicaid Services Web site.

what is long term care?
medicare
medicaid
tax implications
general facts and questions
glossary of terms
long term care home
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