Insurance Coverage and Payment Options
Paying for a nursing home stay or a stay at a skilled nursing and rehabilitation community can be daunting, but we make it as easy as possible. These are some of the questions we are frequently asked about insurance coverage, Medicare and other payment-related issues.
How do I pay for my stay at North Ridge?
There are many insurance coverage and payment options for Minnesota nursing homes and skilled nursing communities. At North Ridge, we participate in Medicaid, Medicare Part A & B, private insurance, hospice, respite care and participating HMO plans.
Will my insurance pay for my health and rehabilitation services at North Ridge?
The amount your insurance company will contribute toward skilled nursing care depends on your individual policy coverage guidelines. One of our admissions directors can help you answer this question based on the specifics of your particular situation.
What are the payment options for the portion of services that are not covered by my insurance company?
When you visit North Ridge Health and Rehab, ask to speak with our admissions coordinator. A member of our admissions team will be happy to help you determine which long-term care benefits you or your loved one may qualify for. Here are some options:
- Medicare benefits are available to millions of Americans, including those over age 65 and some people under 65 who are classified as disabled. Medicare Part A covers a skilled nursing stay up to 100 days following a 3-day inpatient hospital admission. Days 1 to 20 are covered at 100%. A co-pay applies to days 21 to 100. Visit Medicare's website at www.Medicare.gov for more information.
- Medicaid is an option for eligible low-income patients in need of long-term nursing care. Eligibility requirements vary from case to case, and we can help you determine if you qualify.
- Many insurance companies and employers now offer long-term care insurance.