Skilled Nursing Facilities (SNF) are also sometimes called nursing homes and may have several levels of care available including Assisted Living, Memory Care, Long Term Care, and Rehabilitation. The Long Term Care units are designed to provide care for those who need assistance with most or all of their Activities of Daily Living (ADL’s) in addition to clinical care.
Who is eligible?
Long Term Care at a Skilled Nursing Facility (SNF) is designed for those who require permanent residence and are not expected to discharge. However, placement at a SNF can be utilized for a short period of time if needed. Most people seeking placement at a SNF require more than just assistance with the ADL’s and have more complex medical needs that require daily nursing interventions.
Where it fits in my Health Care Team
A person living in a SNF may still be eligible to receive services from Hospice and Home Care. Hospice services can be provided in any long term care health setting. People needing more one on one caregiving may need to hire a personal caregiver through an agency, even if living in a SNF.
How is it paid for?
Long Term Care at a Skilled Nursing Facilities is typically paid for through private funds or through ALTCS. The price varies depending on facility, room size, medical needs, and services offered but can range from $6,000-8,000 per month. Most Long Term Care Insurance policies will include long term care at a Skilled Nursing Facility in their benefits. Medicare, AHCCCS, or private insurance do not cover this service. Veterans enrolled in the VA may have coverage at a VHA medical facility.
What I should know
Skilled Nursing facilities will offer the highest level of long term care available, but cannot provide one on one assistance on a long term basis. If those services are needed an additional caregiver may be hired at the person’s expense through a home care agency.
It is easy to misunderstand the differences between an admission into a SNF that is paid for by insurance and one that is paid for privately because both services are usually offered in the same facility. Please see the section on Sub-acute Rehabilitation for more information.