Understanding Skilled Nursing Facilities
A skilled nursing facility (SNF) is not a permanent residence, but a specialized short-term care setting for rehabilitation after an illness, injury, or surgery. The goal is to help a patient recover and regain independence, so they can either return home or move to a lower level of care, like an assisted living facility. The services provided in an SNF require a high level of medical and rehabilitative expertise from licensed professionals, including physical, occupational, and speech therapists, as well as registered nurses.
For most people, the pathway to an SNF begins with a qualifying inpatient hospital stay. However, admission from home is also possible, though it requires a different set of steps. Most modern nursing homes provide both short-term skilled care and long-term custodial care in the same building, which can sometimes cause confusion.
The SNF vs. Nursing Home Distinction
While often used interchangeably, "nursing home" and "skilled nursing facility" describe different primary purposes. Here is a comparison to clarify:
| Feature | Skilled Nursing Facility (SNF) | Nursing Home (Long-Term Care) |
|---|---|---|
| Primary Goal | Short-term rehabilitation and recovery. | Permanent residence for long-term care and support. |
| Length of Stay | Typically 100 days or fewer, but duration is based on medical necessity. | Can be permanent, providing continuous care for chronic conditions. |
| Level of Care | High-level medical care, including physical therapy, IV administration, and wound care. | Custodial care, including assistance with activities of daily living (ADLs), medication management, and meals. |
| Insurance Coverage | Often covered by Medicare Part A for the first 100 days after a qualifying hospital stay, with specific cost-sharing. | Not covered by Medicare for long-term custodial care. Typically paid for out-of-pocket, by Medicaid, or with long-term care insurance. |
| Focus of Services | Focused on intensive, short-term rehabilitation to help a patient transition back home or to a less-intensive setting. | Focused on daily living assistance and residential support for those who cannot live independently due to chronic conditions or disabilities. |
The Admission Process Step-by-Step
Step 1: Medical Evaluation and Qualification
The first and most critical step is to obtain a physician's order certifying the need for daily skilled care. This is based on a medical assessment that documents the patient's health status, including any functional decline, and confirms they require a skilled level of care. If the person is being discharged from a hospital, the hospital's social worker or case manager will help coordinate this. If the person is at home, their primary care doctor will perform the assessment.
Step 2: Information Gathering and Facility Search
Once the medical need is established, you must gather all relevant medical documentation. This includes a medical history, physical exam results, recent test results (like a negative TB test, which is often required), and a list of current medications. You should also prepare financial and insurance information, including Medicare, Medicaid, or long-term care insurance details.
Next, research facilities in your area. Use resources like the Eldercare Locator or Medicare's Nursing Home Compare tool to find and compare certified SNFs. Consider a facility's location, services, ratings, and whether they accept your loved one's insurance.
Step 3: Contacting and Visiting Facilities
Contact the admissions coordinator at your top-choice SNFs to inquire about bed availability and the admission process. It is highly recommended to visit the facilities with your loved one, if possible, to observe the atmosphere and interact with staff. Be prepared with a list of questions to ask during your visit regarding care plans, staffing, and activities.
Step 4: Completing Admissions Paperwork
The admissions paperwork can be extensive and includes legal documents such as advance directives (living wills), Durable Power of Attorney (POA) for healthcare, and financial disclosure forms. It is important to read everything carefully and ask questions. An elder law attorney can provide valuable guidance during this stage, particularly regarding financial matters.
Step 5: The Financial Assessment and Payment Planning
Understanding payment is a major part of the admission process. For a temporary, post-hospital SNF stay, Medicare Part A is often the primary payer. However, Medicare does not cover long-term custodial care. For longer stays, Medicaid is the largest payer for nursing home care, but it is a means-tested program with strict income and asset limits that vary by state. Other options include private funds, long-term care insurance, or veterans benefits. A financial assessment will be conducted to determine eligibility for any state or federal programs.
Step 6: Transitioning to the Facility
After a facility is chosen and the paperwork is complete, the admission team will coordinate the move, including transportation and scheduling the arrival. Ensure all necessary personal items and medical information are organized and ready. The facility will prepare the room and introduce your loved one to staff members, easing the transition into their new environment. Upon arrival, a formal care plan will be developed with input from the attending physician, nursing staff, and family members.
Important Considerations for Getting Admitted from Home
If the individual is not in a hospital, the admission process requires more proactive involvement from the family. A primary care physician's assessment is needed to establish medical necessity, and families must independently research and contact SNFs for admission. Some facilities may have waitlists for non-emergency admissions, so contacting them early is crucial.
Conclusion
Getting someone into a skilled nursing facility requires a thorough and informed approach. Starting with a doctor's medical assessment to confirm the need for skilled care is essential, followed by gathering critical documents and researching certified facilities. By understanding the payment options, from Medicare for short-term rehab to Medicaid for longer stays, families can navigate the complex financial landscape. With careful planning and communication with healthcare professionals and facility staff, you can ensure your loved one receives the appropriate level of care. For further guidance on your specific state's Medicaid policies, contact your state Medicaid office.
Visit the Eldercare Locator website for help finding local resources and services.