Rosewood Heights is a skilled nursing facility serving Killeen, TX, and the surrounding communities. If you are exploring long-term care options in Killeen for yourself or a loved one, it can be confusing to navigate. Not only do you have to find a community that meets requirements for location, physical care, and lifestyle preferences, but you also have to figure out how to pay for services. Navigating Medicare and Medicaid can be a challenge, but we’re here to help. Here’s what you need to know.

How to Pay for Long-Term Care

There are many ways to pay for long-term care. Many people use personal funds or long-term care insurance to pay for long-term care. For some, personal funds or long-term care insurance are not an option, and they turn to Medicare, Medicaid or private insurance. However, you may be surprised about what is (and what is not) covered by Medicare and Medicaid.

What Medicare Covers

Medicare is a federal health insurance program for people aged 65 and older (and some younger people with certain disabilities). Many people believe Medicare covers long-term care, but this is not the case. Medicare covers costs related to hospital stays, short-term skilled nursing care after a hospital stay, or other types of care that are typically covered by health insurance. If you require a permanent move to a community that provides long-term care, Medicare does not cover the cost.

What Medicaid Covers

Medicaid is a joint federal and state program that helps cover medical costs for people with limited incomes and assets. The eligibility requirements and benefits vary by state, but for Texas eligibility requirements, you can visit the Texas Health and Human Services website. Unlike Medicare, Medicaid does cover nursing home care and personal care services.

Touchstone Can Help

At Rosewood Heights in Kileen, TX, we can help you navigate how to pay for long-term care. We can answer your questions about Medicare, Medicaid, and private insurance. For help navigating the specifics of your situation, or for more information about long-term care, short-term care or rehab after a hospital stay, contact the team at Rosewood Heights today.