Click on any of the questions listed below to reveal the answer.
Traditional Health Insurance may be obtained through your employer, trade group or purchased independently. Health Insurance plans generally cover inpatient care such as hospital admissions and short-term nursing and rehabilitation in a nursing facility. Most plans also cover outpatient services such as physician visits, x-rays, lab tests, medications and therapy. Health Insurance plans usually do not cover extended stays or long-term care in a nursing facility or assisted living facility.
Health Insurance plans taking the form of an HMO or PPO will often contract with a limited group of inpatient and outpatient providers.
An individual eligible for traditional Medicare Part A & B may choose to enroll within a Medicare Advantage plan (Medicare Part C). A Medicare Advantage plan is administered by a private insurance company or health organization rather than the Federal Government. Medicare Advantage plans cover short-term nursing and rehabilitation in a nursing facility. Medicare Advantage plans do not cover extended stays or long-term care in a nursing facility or assisted living facility.
Some Medicare Advantage plans allow enrollees to use any Medicare contracted provider while other plans restrict provider choice to a limited panel of providers.
Long-term care insurance is a type of insurance developed specifically to cover the costs of long-term care services, most of which are not covered by traditional health insurance or Medicare. Long-Term Care plans vary greatly in terms of the benefit amounts and length of coverage. If you have a Long Term Care insurance policy, The Laurels staff would be happy to sit down with you and your family to discuss the benefits available to you through your plan.
Your Long-Term Care policy may cover a short-term nursing and rehabilitation stay, extended stay or long-term care stay in our facility.