The cost of nursing home care is significant. The primary payer for nursing home care is:
a. Medicare.
b. Medicaid and private pay.
c. Long-term care insurance.
d. Medigap insurance.
ANS: B
The primary payers for nursing home care are Medicaid and private pay. Because of the poten-tially high co-payments associated with Medicare, persons who are able to do so often purchase supplemental insurance plans. These feature standard benefits and generally several different policies are available from which to select in each state. Plans referred to as Medigap cover only the deductibles and part of the coinsurance amounts based on Medicare-approved amounts con-tracted with providers. Long term care insurance does pay for nursing home, but the primary payers are Medicaid and private pay.
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