Yes. The type of insurance that pays for nursing homes is called Long Term Care Insurance or LTC. These policies will cover nursing home stays and also will pay for assisted living facilities are even pay for assistance at your home to keep you out of a nursing home.
There are many different types of LTC policies so make certain your agent gives you many choices and explains your options.
Some health insurance plans will cover treatment in an ECF (extended care facility). The general rule is you must be discharged directly to the ECF following a hospital admission, usually lasting 3 days or longer.
Your ECF benefits are usually limited to 30 - 90 days as an inpatient. Not really what one would consider long term care but more short term care.
Also your major medical plan may cover some home health care visits and private duty nursing.
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There are many different types of LTC policies so make certain your agent gives you many choices and explains your options.
Your ECF benefits are usually limited to 30 - 90 days as an inpatient. Not really what one would consider long term care but more short term care.
Also your major medical plan may cover some home health care visits and private duty nursing.