Make the best senior care decision
The moment you realize your family member likely needs nursing home care is often overwhelming. Whether your senior loved one is currently in the hospital or at home, understanding what qualifies a person for a nursing home and the nursing home admissions process is important.
“The process is not always simple, and it can be tedious,” says senior care professional Mark Pavlovich, owner of Yardstik Behavioral Analytics and member of the workforce and customer experience committees at the American Health Care Association. “But it can be easier if you know who you need to talk to and are aware of the documents needed beforehand.”
Learn more about nursing home qualifications, what documents to bring, and who to talk to when filling out paperwork for government programs, like Medicare or Medicaid.
Nursing home services are generally intended for seniors with debilitating health issues or serious conditions that require frequent medical supervision and round-the-clock care. In order to be admitted to a nursing home, a senior needs to meet the state’s criteria for nursing home care, and any medical conditions must be documented and confirmed by a physician.
The requirements for nursing home placement generally vary by state. The Centers for Medicare & Medicaid Services (CMS) requires states to follow some general guidelines. However, states retain the flexibility to create their own assessments within CMS’s rules.
Therefore, it’s possible for a senior to meet nursing home admission requirements in Iowa or Kansas, but not in California or New York. Be sure to contact your local Medicaid or government county agency to learn more about your state’s specific nursing home testing standards and how to qualify for a nursing home.
To verify that your loved one meets state requirements for nursing home care, a physician will assess their health care needs.
If your aging relative is currently in the hospital, attending staff will likely complete the assessment during the hospital stay. If your loved one is not currently in the hospital, you can make an appointment with their primary care doctor.
Our free tool provides nursing home options based on your unique situation.
Some states may provide free health care assessments for seniors. For example, the Maryland state government offers the Adult Evaluation and Review Service (AERS) program. An AERS evaluation is performed by a nurse or social worker and can identify whether a senior meets nursing home qualifications or would benefit more from other long-term care options.
If your loved one requires day-to-day care, but does not meet requirements for nursing home placement, they may be a good candidate for an assisted living community.
Before your loved one is admitted to a nursing home, you will need to provide the facility with the documents listed below. The first five items on this list are completed by hospital staff or by your loved one’s primary care doctor.
The process of admitting a loved one into a nursing home can take several hours or more, says Pavlovich. As part of the nursing home admissions process, community staff may also ask for other documentation:
Nursing homes are obligated to determine if incoming residents meet the criteria for any state or federal funding. This process is similar to someone providing financial information to get a mortgage.
This step ensures each patient has the means to pay for nursing home care. The patient and their family will need to disclose financial information and complete paperwork to answer questions such as the following.
Medicare is a federal health insurance program that provides coverage for individuals 65 and older, as well as younger people with certain disabilities. A majority of older adults in the U.S. rely on Medicare for preventative services, outpatient care, and prescription medications.
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Medicare doesn’t cover long-term help with activities of daily living or care in a nursing home. However, it may provide coverage for up to 100 days of short-term rehabilitation following a stroke, hip fracture, or other health event that resulted in a hospital stay of three days or more.
Regardless of whether Medicare pays for your nursing home stay, it will likely cover doctor services, medical supplies, and prescription drugs while you’re there, although the exact coverage depends on your Medicare plan.
Medicaid is a federal program that extends health coverage to low-income individuals. Standards for income thresholds and asset limitations vary depending on each state. Additionally, seniors can qualify if their state considers them “medically needy,” meaning that they have significant health conditions and expenses.
To qualify for nursing home care covered by Medicaid, your senior loved one must have a medical need. This requirement is consistent across the country; however, each state defines “medical need” in its own way. Contact your state’s Medicaid agency to learn more about which health conditions are required to qualify. Admissions staff at Medicaid-certified nursing homes will also have information about the qualification process.
An elder law attorney or social worker can be a helpful partner in the Medicaid application process, determining eligibility, and guiding seniors on how to qualify for a nursing home covered by Medicaid. The entire application can be rejected and sent back if any information is missing, says Pavlovich.
The Centers for Medicare and Medicaid Services created a Nursing Home Toolkit to explain nursing home Medicaid benefits to providers and beneficiaries and can help you learn more.
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