How to Pay for a Nursing & Rehabilitation Center


According to the Centers for Medicare and Medicaid Services, more than 40% of all Americans will require some type of care in a nursing home. With an annual cost of approximately $90,000, paying for your loved one’s skilled nursing care may seem like an insurmountable obstacle. Fortunately, there are several different ways to reduce or finance the cost of long-term nursing care to ensure that your loved one gets the necessary care. Read our following guide to learn about some of the best ways to pay for a nursing and rehabilitation center.


Medicare is a type of federal health insurance offered to all Americans over the age of 65 and to disabled individuals under the age of 65. Medicare can be used to pay for short-term rehab stays in a nursing home, but does not cover any type of long term care.


Medicaid is a government assistance program that covers the cost of long term care for individuals who cannot afford it. Although this insurance program has strict eligibility guidelines, it can be used to pay for long term care in nursing homes, assisted living facilities, or in-home health care.

VA Benefits

Veterans who have served in the United States Armed Forces and are at least 65 years old may qualify for health insurance and financial assistance for long-term nursing care. Spouses and dependents of veterans may also be eligible for assistance in some cases.

Other Options

If the above options do not effectively cover the cost of your loved one’s long-term nursing care, family members may need to consider other payment options including long term care insurance, reverse mortgages, nursing home tax deductions, or relocating to a state with lower cost of care.


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