Medicare and Medicaid

Brightmoor Nursing home is designed for all individuals who need nursing care, rehabilitation services, or personal care services on a day-to-day basis. While most nursing home services are paid for by Medicare, many residents and their families are required to pay out-of-pocket for monthly expenses, our facility also accept different types of insurances including Humana and Tricare.

What does Brightmoor Nursing Center Offer?

Brightmoor Nursing Center offers 24-hour care and services to patients, and also responsible for organizing activities for residents, offering meal service, and spending time with residents to improve their quality of life. These services are typically rolled into the monthly fees. However, certain types of health and medical services are covered by long-term care insurance policies, Medicaid, veterans benefits or Medigap plans.

According to Medicare.gov, almost 50 percent of all nursing home residents pay for their expenses out of pocket. This may be a better option for those who want to enjoy services and benefits beyond what Medicare and Medicaid can offer.

Medicare Coverage for Nursing Home Residents

Nursing facility coverage falls under Medicare Part A, and is fairly limited in scope, according to LongTermCareLiving.com, an organization that provides consumer information about long-term care. Medicare only pays for nursing home care under certain conditions, and covers services such as:

  • Medical supplies
  • A semi-private room
  • Rehabilitation services
  • Drugs administered by the nursing home
  • Standard nursing services

It's important to understand that Medicare does not cover payment for personal convenience items, private rooms, or private duty nurses. Individuals who are participating in Medicare Part B may get some coverage for a doctor in a skilled nursing facility, but certain services such as routine physical examinations, routine foot care and immunizations are not covered under this type of plan.

Medicaid Coverage for Nursing Home Residents

Medicaid is a state and federal program that covers certain nursing home costs. However, the amount of coverage and eligibility for this program varies significantly by state. In many cases, the retiree or their families must use personal resources or turn to Medicaid coverage to cover costs.

Paying for Nursing Home Care With Long-Term Care Insurance

Long-term care insurance offers another option for families who need assistance with paying nursing home costs.  However, this may be a more affordable option for many who are considering paying for nursing home expenses on their own.

Managed Care Plans

Managed health care plans offer high-quality care for members who are enrolled in a certain type of health plan. The U.S. Department of Health and Human Services indicates that these plans have co-payments for certain types of services, and can offer more benefits beyond those covered by Medicare. These extended services may include coverage for personal care services, medical transportation, respite care and homemaker services.