When you or someone you care about requires skilled nursing care in the home, paying for the care can be one of the most stressful aspects of the situation. Though the costs of skilled nursing care are high, options are available. As with most situations, proper planning can enable an individual to navigate through the situation with relative ease. Planning for a day when skilled nursing care might be needed can save headache and heartache in the long run.

Instructions

1.Consider acquiring a long term care (LTC) insurance policy before skilled nursing care is required. Most traditional health insurance policies only offer partial coverage for skilled nursing care, though most LTC policies offer full coverage.

2.Contact your health insurance company and inquire about your coverage for skilled nursing care at home. Many health insurance policies offer partial coverage for this type of care for a period of time.

3.Apply for state-funded health insurance. Many states offer free or low-cost health insurance to those without insurance that have high medical bills or show extreme financial need. Contact your state's welfare office to acquire more information.

4.Apply for Medicare if you are 65 years old or older or are disabled. Medicare covers a large portion of skilled nursing care at home.

5.Contact charitable organizations, such as the Salvation Army, United Way, Catholic Charities and Jewish Family Charities to see if they are able to offer any assistance. Many of these organizations offer funding for skilled nursing care to those that cannot otherwise afford it.

From: Ehow Health
http://www.ehow.com/how_5729906_pay-home-skilled-nursing-care.html