We understand the financial concerns involved with the care of a loved one. A variety of factors will influence the cost of services, therapies, and both long term and short term stay, including the type of coverage you may have.

We are happy to answer any questions you may have regarding coverage and cost.

Medicare provides two different coverage programs – one for hospital stays and the other for skilled nursing and medical care.

To receive skilled nursing and medical care coverage you must meet specific criteria. These include a hospital stay of three days or more followed by a transfer to a nursing facility within 30 days of leaving the hospital.

Coverage may include up to 100 days stay at a nursing facility, with the first 20 days 100% covered by Medicare. The remaining time period may be covered in part by Medicare and supplemental insurance.

Mount Hope is happy to help with any questions you might have regarding cost and coverage of short or long term stay at our facility.

Medicaid provides coverage for limited income individuals. Though it does not provide direct health care coverage, those who meet the eligibility requirements can use Medicaid to help with the cost of a long term stay or health care service provided at Mount Hope. In most instances, a co-payment will be due in addition to the portion covered by Medicaid. Co-pays are usually calculated according to monthly income from a Social Security check or pension, minus a personal allowance.

Medicaid can be used in conjunction with Medicare benefits and may cover some expenses that Medicare does not cover.

At Mount Hope we recognize the importance of having a health insurance plan to help manage the cost of short or long term care. We also understand the frustration that can come with understanding insurance benefits and what is and isn’t covered.

Though out of pocket costs and benefits will vary according to the individual’s plan, most regular HMO or private insurance plans will cover a portion of short and long term care in much the same way that Medicare coverage works, with a recent hospital stay followed by up to 100 days of stay in a care facility.

To obtain a clear explanation of coverage in your specific circumstance, we suggest contacting your insurance provider. We are happy to offer any information needed to assist you in better understanding your coverage benefits.

Private pay refers to paying for short or long term care out of pocket. Private pay is a popular option for many who either rely solely on savings or assets to cover their stay or may combine private pay with a form of coverage such as insurance or Medicare.

We are happy to discuss our variety of care options with you, as well as services included in the cost of each option, so you know what expenses to expect and can budget accordingly.