Nursing Home Costs
Medicare does not pay for long-term nursing home care — only for short-term skilled care after a qualifying hospital stay. For the long-term care most Alabama families actually face, the options narrow to private pay, long-term care insurance, or Medicaid.
What you should know
- Medicare covers up to 100 days of skilled nursing care after a qualifying hospital stay — and only while skilled care is needed. It does not cover long-term custodial care.
- Long-term nursing home care in Alabama runs in the thousands of dollars per month, depending on the level of care and location.
- Private-pay families can spend a lifetime of savings in a few years of care.
- Long-term care insurance is one option, but it generally has to be purchased years in advance, while you are still insurable.
- Medicaid covers long-term care indefinitely, but only after most countable assets have been spent down. Advance planning is what can change that outcome.
Which payment approach fits your situation?
Four short choices. Brent reads your answer back to you at the end.
A 30-second guided quiz. Get a personal read on which path likely fits.
“I feel very confident and relieved.”
— S.D.
This testimonial reflects one client’s personal experience. It does not guarantee or predict the same or similar results for any other person.