BaneCare A Matter Of Trust
Text Size: A A

Information About Choosing The Right Care for You


The following are some common questions people ask about skilled nursing care and about our facilities. We’re pleased to provide the answers below. If you have questions regarding BaneCare in specific or skilled nursing care in general, we’d enjoy hearing from you. Email your questions to BaneCare..
 

What factors should I consider when choosing a nursing facility or assisted living residence? 

How will I know when I or someone I love requires nursing care? 

Who pays for skilled nursing care? 

How do residents spend their days? 

 

Q. What factors should I consider when choosing a nursing facility or assisted living residence? 

Certainly, you will want to look at cleanliness, gauge the warmth of the environment, and assess building comfort. But, there are other important intangibles to consider. You should look carefully at the leadership of the facility. Are they people to whom you would entrust the care of your loved one? Try to evaluate the staff. Feel free to speak with nurses and other staff members directly. Ask them how long have they been working there and what types of experience they have. Usually, a staff with longevity indicates a commitment to the residents. Ask to sample one of the meals. Would you want to eat the food? Of course, if a home will not make a meal available for you, that might be a warning sign! Use your eyes, your ears, and your own voice when visiting a facility. 

Q. How will I know when I or someone I love requires nursing care? 

We find that many of our residents wish they had actually come to stay with us sooner. Whether for assistance in bathing and dressing, administration of daily medications, help with personal hygiene or even simple issues of continence, a skilled nursing home can be the answer to a senior's residential and health care needs. Isolated, lonely individuals also appreciate the socialization and activities that nursing facilities offer. 

Q. Who pays for skilled nursing care? 

This is always an important question. There are several sources of payment.

Medicare: This federally funded insurance program pays for up to 100 days of skilled nursing care (with a set daily co-insurance rate starting on day 21).  Eligibility is based strictly on medical need and technical requirements; the criteria for which is specific and rigorous. Our experience is that a new resident may receive anywhere from 14 to 50 days of Medicare eligibility. At BaneCare Residences, we always try to maximize the Medicare benefit for our residents. 

Managed Care: There are many types of Managed Care plans, such as a Commercial plan, a Medicare replacement plan, an employer group plan, etc.  The coverage details can be found in your plan documents.  Most of these require a co-payment.

After insurance eligibility has been utilized, the next payment source is either Private Pay or Medicaid. Essentially, a resident will pay privately unless they have qualified for Medicaid. Medicaid is a state-funded program, which can be used if a resident has exhausted his or her resources. In effect, Medicaid is the payer of last resort.  Medicaid requires a monthly payment from the resident called the “Patient Paid Amount” (PPA).

In addition, some of our residents use their Long-Term Care insurance benefits to pay for their care. 

Private payment for co-insurance, co-payments, room and Board and Medicaid PPAs may be paid by check, credit card or authorized ACH withdrawals.   

Each resident's situation is different and can be very complicated. Our admission counselors are well versed in assisting our residents and their families in the intricacies of payment. 

Q. How do residents spend their days? 

Depending on their abilities, residents can participate in a wide range of therapeutic activities. For those residents who are unable to participate in group activities, we take special care to provide one-on-one activity programming to meet each of our guest's individual needs.