Financial Considerations

Arranging for the financial coverage of long term care can be a complex and sometimes overwhelming process. When choosing a nursing and rehabilitation center, our staff will be pleased to explain every option that is available to you.

The basic payment sources are listed below:

Medicare

Medicare is a federally-funded health insurance program for people age 65 and older who have been paid Social Security disability benefits for more than two years, or people of any age with end-stage renal disease.

There are two parts to the Medicare program: Hospital Insurance (Part A) and Medical Insurance (Part B). Hospital insurance helps pay for acute care in a hospital, home health care, hospice services, and Medicare-certified care in a skilled nursing facility.

We are available to assist with any questions or concerns you may have regarding Medicare and its coverage.

Medicaid

Medicaid is a federal program administered by the Texas Department of Human Service, based on financial need and the medical necessity for nursing home care. Although the benefits last indefinitely, the State reviews all Medicaid residents periodically to make sure they continue to qualify both financially and medically.

Supplemental or Long Term Care Insurance

Insurance coverage is available to cover certain costs of nursing center care. Some plans will supplement Medicare or Medicaid coverage and cover expenses beyond what these plans cover. Others pay for a portion of daily expense for a set amount of days in a nursing center. These policies may be in the form of supplemental or long-term insurance.

If your family member has such insurance coverage, bring a copy of the policy to our attention. Our business office will be happy to assist you in verifying benefits and coverage.

Veterans Benefit

The federal government has a program for those individuals who have had an honorable military service. There are several criteria areas that individuals must meet and the amount that may be paid will vary according to each individual. Our staff can assist you in determining eligibility.

Private Pay

Should you not meet the criteria for Medicare, Medicaid or Veterans Benefit, a private payment plan is available.