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Long Term Care Insurance  ▪  Group Plans  ▪  Medicare & Medicaid

Medicare Requirements for a Nursing Home Stay

1. You must be hospitalized for at least three days.
2. You must enter a Medicare approved Nursing Facility.
3. You must be in a Medicare approved bed within the approved facility.
4. You must be receiving skilled care on a daily basis.

If one meets the above requirements, Medicare will pay all eligible expenses for the first 20 days. For days 21-100, Medicare will pay after the $128 co-payment has been met (usually picked up by a Medicare supplement). After the 100th day, neither Medicare nor the Medicare supplement will pay for any Nursing Home Care.

 

2008 Medicare Costs

Part A (Hospital Insurance) Monthly Premium

Most people don’t pay a Part A premium because they paid Medicare taxes while working.

You pay up to $423 each month if you don’t get premium-free Part A.*

 

Part B (Medical Insurance) Monthly Premium

If Your Yearly Income is		You Pay*
File Individual Tax Return	File Joint Tax Return
$82,000 or below	$164,000 or below	$96.40
$82,001-$102,000	$164,001-$204,000	$122.20
$102,001-$153,000	$204,001-$306,000	$160.90
$153,001-$205,000	$306,001-$410,000	$199.70
Above $205,001	Above $410,001	$238.40

* If you pay a late-enrollment penalty, this amount is higher.