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Traditional Health Insurance may be obtained through your employer, trade group or purchased independently. Health Insurance plans generally cover inpatient care such as hospital admissions and short-term nursing and rehabilitation in a nursing facility. Most plans also cover outpatient services such as physician visits, x-rays, lab tests, medications and therapy. Health Insurance plans usually do not cover extended stays or long-term care in a nursing facility or assisted living facility.
Health Insurance plans taking the form of an HMO or PPO will often contract with a limited group of inpatient and outpatient providers.
An individual eligible for traditional Medicare Part A & B may choose to enroll within a Medicare Advantage plan (Medicare Part C). A Medicare Advantage plan is administered by a private insurance company or health organization rather than the Federal Government. Medicare Advantage plans cover short-term nursing and rehabilitation in a nursing facility. Medicare Advantage plans do not cover extended stays or long-term care in a nursing facility or assisted living facility.
Some Medicare Advantage plans allow enrollees to use any Medicare contracted provider while other plans restrict provider choice to a limited panel of providers.
Long-term care insurance is a type of insurance developed specifically to cover the costs of long-term care services, most of which are not covered by traditional health insurance or Medicare. Long-Term Care plans vary greatly in terms of the benefit amounts and length of coverage. If you have a Long-Term Care insurance policy, The Maplewood staff would be happy to sit down with you and your family to discuss the benefits available to you through your plan.
Your Long-Term Care policy may cover your stay in our facility.