My mom qualifies for both Medicare and Medicaid so she went with a third party private insurance company that works along side of both. The dual complete plans seem to cover all medical services, care and room and board. But you got to be sure to stay on top nomnic dates of discharge and be accurately prompt when filing appeals and be sure the SNF received request or you'll feel liken
But don't mind hearing what others opinion about it!
if that’s kinda your question, the biggest difference imo is that if they actually are in an LTAC facility is that they can have MediCARE totally pay for their bill. LTAC can go under hospitalization rates for billing codes. They are viewed as a “patient” rather than a “resident”. So Medicare and whatever they have as their secondary insurance (whether it’s a traditional insurer like Blue Cross or it’s low income Medicaid) pay the LTAC. It will be significantly more $ paid as they are viewed as a “patient”.
But if they are living in a NH they are a resident there but needing skilled nursing care (not acute care). Neither MediCARE or secondary health insurance pays for the daily room&board costs of residing at the NH. That’s private pay, LTC insurance policy or LTC Medicaid. LTC Medicaid will have a preset daily reimbursement rate for the bed. Could be low, like $160 a day for some states. Way way lower than a LTAC.