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How to Choose a Nursing Home- Part 9

The four steps to take in order to decide which nursing home may be best for you are:

  • Step 1: Find nursing homes in your area;
  • Step 2: Compare the quality of the nursing homes you’re considering;
  • Step 3: Visit the nursing homes you’re interested in or have someone visit for you; and
  • Step 4: Choose the nursing home that meets your needs.

Step 4: Choose the nursing home that meets your needs.

What information does the nursing home need?

After you choose a nursing home, you’ll need to make the arrangements for admission. When you contact the nursing home office, it’s helpful to have this information ready:
Information for nursing home office staff

Insurance information:

Provide information about any health coverage and long-term care insurance you have that pays for nursing home care, health care, or both. This includes the name of the insurance company and the policy number.

Note: If Medicare or Medicaid will cover your nursing home care, the nursing home can’t require you to pay a cash deposit. They may ask that you pay your Medicare coinsurance and other charges you would normally have to pay. The nursing home can’t require payment in excess of the rates allowed by Medicare or Medicaid for covered services. There may be charges for items or services that aren’t covered by Medicare or Medicaid, but the nursing home can’t require that you accept services that aren’t covered by Medicare or Medicaid as a condition of continued stay.

It’s best to pay charges once they’re billed to you, not in advance. You may have to pay a cash deposit before you’re admitted to a nursing home if your care won’t be covered by either Medicare or Medicaid, and the nursing home isn’t limited to the rates allowed by Medicare or Medicaid.

To be continued ….
Aaron E. Futterman, CPA, Esq. is a partner in the law firm of Futterman & Lanza, LLP with offices in Smithtown, NY and clients throughout Suffolk, Nassau, Queens, Brooklyn, Bronx, Richmond, New York, Westchester and Rockland Counties. He concentrates his practice to Elder Law, Medicaid Planning, Medicaid Applications, Estate Planning, Probate, Estate Taxes, and Estate Administration.

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