No, the 100 days is not a guarantee. The insured must continue to make progress during their
rehabilitation stay. Furthermore, Medicare only covers the first 20 days at 100%. There is a
copay beginning at day 21, that changes each calendar year, and is the responsibility of the
insured. The copay for 2022 is $194.
No. Medicare does not cover room and board.
Assisted Living – think of it as a senior apartment complex that has assistance when you need it
from nurses and aides but does not necessarily provide 24-hour care. Most are private pay.
Long Term Care centers – used to be referred to as nursing homes. For those that need a high
acuity of care, 24 hours per day. Medicaid will pay when private funds are no longer available.
Memory Care – Specific secure units for individuals with dementia/Alzheimer’s diagnosis and can be
located within Assisted living centers and Long Term Care centers depending on the individuals’
medical needs.
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