Medicare only covers 20 days at a 100% at skilled nursing level. Skilled nursing care and rehabilitation services are provided on a continuous, daily basis, in a skilled nursing facility. Skilled Nursing includes a semi-private room, meals, skilled nursing and rehabilitative services, and other services and supplies (only after a 3-day minimum impatient hospital stay for a related illness or injury not including the day of discharge) for up to 100 day in a benefit period. To get care in a skilled nursing facility, your doctor must certify that you need daily care like intravenous injections or physical therapy. Medicare doesn't cover long term care, intermediate or custodial care in this setting.
The qualifications for Medicare to cover Skilled Nursing Care are:
· You have Medicare Part A (Hospital Insurance) and have days of Skilled Nursing Facility (SNF) coverage left in you benefit period. You get 100 days of Skilled Nursing Facility (SNF) coverage per benefit period.
· You have an inpatient stay of 3 consecutive days or more (a "qualifying stay"), counting the day of inpatient admission to the hospital, but not the day of discharge, before being admitted to the Skilled Nursing Facility (SNF).
· The Skilled Nursing Facility (SNF) is certified by Medicare
· You begin getting covered care in the Skilled Nursing Facility (SNF) within a short time (generally, 30 days) after discharge from the qualifying 3-day hospital stay.
· Your doctor has ordered the services you need for Skilled Nursing Facility (SNF) care. These services must meet the following criteria:
- Require the skills of professional personnel
- Be needed on a daily basis
- Be a type of care that can be provided only by a Skilled Nursing Facility(SNF) on an impatient basis
- Be needed for a "hospital-related condition" (that is, one of the conditions that was treated during the qualifying 3-day hospital stay, even if not the main reason for the stay), or be needed for a condition that arose in the Skilled Nursing Facility (SNF) while you were being treated there for a hospital-related condition.
- Be reasonable and necessary.
Benefits for Clients
- Affordable premiums
- Policy is guaranteed renewable
- Covers all three levels of care (Skilled Nursing Care, Intermittent and Custodial Care)
- Separate coverage, do not need to rely on qualifying for Medicare to pay
- Competitive rates
- 30-Day Free Look period
- Immediate Coverage
- Home Healthcare Rider
For more information, please click here to contact us or call one of our Marketing Directors at 1-888-569-2002.
Sterling Investors Life
Sterling Investors Life Insurance Company provides insurance products for seniors clients in the United States. Its product portfolio includes Medicare Supplements to provide coverage for co-payments, deductibles, and outpatient expenses; Medicare Select, which utilizes hospital networks to provide coverage; Senior Whole Life, a life insurance to cover the costs of funeral and burial services; and convalescent care insurance, which includes nursing home and convalescent recovery care coverage for providing protection from the financial burden of extended care. Sterling Investors was founded in 1978 and is based in Rome, Georgia.
Sterling Investors Life has created a policy called "Convalescent Care Plan". It is a plan that is designed to provide valuable nursing facility benefits and optional home health care benefits for short-term stays. It covers skilled nursing care, intermittent care and custodial care for 180 days to 360 days.
Benefits for Agents
- Competitive product
- Excellent commissions
- Contract directly with the company
- Excellent Ad-on
- Helps client cover areas not covered by Medicare, Medicare Supplements nor Medicare Advantage plans
- Trip incentives
- Commission advancing