More resources for financing care are available now than ever before. We understand that everyone has unique circumstances that help determine how they can best afford care costs for themselves or their loved ones. Some options outlined below may provide flexibility and access care financing resources.

Skilled Nursing, Post-Acute Rehab

Medicare requires a medically necessary inpatient hospital stay of three consecutive days or more, within 30 days of entering skilled nursing. Medicare will cover most of the Skilled Nursing Facility costs with certain restrictions. Medicare Supplemental Insurance policies, also known as "Medigap," are private policies designed to fill in some of the gaps in Medicare coverage.

Most forms of private insurance follow the same general rules as Medicare.

Long-Term Care

Neither private insurance plans nor Medicare covers Long-Term Care costs. However, there is long-term care insurance, which is designed to cover some or most long-term and support services, including personal and custodial care.

Alternatively, if you do not have a Long-Term Care Policy and have enough income and savings, you will need to pay on your own, from your income, savings, and possibly the equity in your home. If you do not have ample income, savings, or investments to cover Long-Term Care costs, the patient can apply for Medi-Cal coverage.

To qualify for Medi-Cal, the recipient must demonstrate that their resources available are limited. To get more information and to apply for Medi-Cal coverage, please visit coveredca.com

Financial Responsibility

It is the sole responsibility of the patient/resident or their duly appointed representative to keep accounts current and submit payments in full upon receipt of statements.

The Social Security Representative Payment Program provides financial management for residents incapable of managing their Social Security or Supplemental Security Income payments. An appointment can be made by calling 1-800-772-1213 (TTY 1-800-325-0778).

Assignment of a Durable Financial Power of Attorney is simply a way to transfer management of personal finances to a third party in the event you become incapacitated and are unable to make those decisions yourself. It grants someone legal authority to act on your behalf for financial issues.