What Rosary Hill accepts and how to verify

Rosary Hill is a senior living community, and whether it accepts Medicare or Medicaid depends on which services you need and which part of the facility you are considering. Some Rosary Hill locations offer skilled nursing care or assisted living that may work with these programs, while others are independent senior housing that does not. The only way to know for certain is to contact the specific Rosary Hill community you are interested in and ask directly about their payment methods.

Medicare and Medicaid have different rules about which facilities they cover. Medicare Part A covers skilled nursing care for a limited time after a hospital stay, but it does not cover long-term assisted living or independent housing. Medicaid covers long-term care in some settings, but coverage varies by state and by the type of care provided. Rosary Hill communities in different states may have different agreements with these programs.

Key Takeaways

  • Contact your local Rosary Hill community directly to ask whether they accept Medicare, Medicaid, or both, because acceptance varies by location and type of care.
  • Medicare Part A may cover skilled nursing stays after hospitalization, but does not cover independent living or long-term assisted living.
  • Medicaid coverage for senior housing depends on your state and the level of care you need; your state Medicaid office can tell you which facilities are approved.
  • Have your Medicare card or Medicaid number ready when you call, and ask about any out-of-pocket costs you would owe even if the program covers part of the bill.
  • If Rosary Hill does not accept your insurance, ask the admissions staff to recommend other communities in your area that do.

How to find out what Rosary Hill accepts

Call the admissions office at the Rosary Hill community you want to move to. Tell them you have Medicare or Medicaid and ask: "Do you accept this program?" and "What is the process for admission under this program?" Write down the name of the person you speak with and the date of the call.

If the community says yes, ask what documentation you need to bring. Most programs require a copy of your insurance card, proof of income, and sometimes a doctor's referral. Ask how long the approval process takes and whether there is a waiting list. If the community says no, ask whether they know of other senior living options in your area that do accept your insurance.

Medicare Part A and skilled nursing care

Medicare Part A covers up to 100 days of skilled nursing care in a facility certified by Medicare, but only if you were hospitalized for at least three days first and your doctor says you need skilled care to recover. Rosary Hill communities that have a skilled nursing unit and are Medicare-certified may accept this coverage. The coverage is not automatic — your hospital discharge planner or your doctor has to arrange the transfer and send your medical records ahead.

Medicare pays the full cost for days 1 through 20. From day 21 onward, you pay a daily copay (the amount changes each year). After day 100, Medicare stops paying and you are responsible for the full cost. This is temporary care, not permanent housing. Once you no longer need skilled nursing, you would need to move to a different level of care or pay out of pocket.

Medicaid and long-term care coverage

Medicaid covers long-term care in nursing homes and some assisted living facilities, but the rules are different in every state. Some states cover assisted living; others do not. Some states have waiting lists. Your state Medicaid office maintains a list of facilities that are approved to accept Medicaid, and Rosary Hill may or may not be on it depending on which state you live in and which Rosary Hill location you are considering.

To find out whether Medicaid covers care at a specific Rosary Hill community, contact your state Medicaid office directly. You can find your state office through the Centers for Medicare & Medicaid Services website or by calling 1-800-MEDICARE. Have the name and address of the Rosary Hill community ready when you call. Ask whether the facility is approved, what the current waiting list is, and what documents you need to submit.

What to ask about costs and coverage limits

Even if Medicare or Medicaid covers part of your care at Rosary Hill, you may owe money out of pocket. Ask the admissions office: "What costs does the program cover and what do I pay?" and "Are there any services or amenities not covered by this program?" Some communities charge extra for private rooms, phone service, cable television, or activities. Medicare and Medicaid do not cover these add-ons.

Ask also about the facility's policy if your insurance coverage ends. For example, if you run out of Medicare-covered days, can you stay at Rosary Hill and pay privately, or do you have to leave? Some communities will work with you; others require you to move. Understanding this ahead of time prevents a crisis later.

If Rosary Hill does not accept your insurance

If the Rosary Hill community you want does not accept Medicare or Medicaid, you have a few options. You can ask whether they offer a payment plan or reduced rate for private pay residents. You can look for a different Rosary Hill location that does accept your insurance. Or you can explore other senior living communities in your area that do accept your program.

Your doctor, hospital social worker, or local Area Agency on Aging can provide a list of Medicare-certified or Medicaid-approved facilities near you. You can also call your state Medicaid office or 1-800-MEDICARE for referrals. Do not assume that because one Rosary Hill community does not accept your insurance, none of them do — policies vary by location.

When to contact your insurance company directly

If Rosary Hill says they accept your insurance but you want to confirm, you can call Medicare or your Medicaid office yourself. Have the facility's name, address, and Medicare certification number (if applicable) ready. Medicare can tell you whether the facility is certified and what services are covered. Your state Medicaid office can tell you whether the facility is on the approved list and what your share of the cost would be based on your income.

This step is optional but useful if you want a second opinion or if the facility's answer was unclear. Insurance companies can also tell you whether there are any restrictions on how long you can stay or what services are included.

Frequently Asked Questions

Can I use Medicare to pay for independent living at Rosary Hill?

No. Medicare Part A covers skilled nursing care only, and only after a hospital stay. Independent living communities like some Rosary Hill locations are not covered by Medicare. You would need to pay privately or use Medicaid if your state covers assisted living or long-term care in that setting.

What if I have both Medicare and Medicaid?

You are called a "dual may be able to access" beneficiary. Both programs may help pay for your care, but the rules about which one pays first and how much each covers are complex. Ask Rosary Hill's admissions office how they handle dual coverage, and also call your state Medicaid office to confirm what you owe out of pocket.

How long does it take to get approved for Medicaid at a nursing home?

Approval time varies by state and by how quickly you submit your documents. It can take anywhere from a few weeks to several months. Ask Rosary Hill and your state Medicaid office for an estimate based on your situation. In the meantime, you may be able to stay at the facility and pay privately while your Medicaid process is being processed.

Do I need a doctor's referral to move to Rosary Hill on Medicare or Medicaid?

For Medicare Part A skilled nursing care, yes — your doctor or hospital discharge planner must arrange the transfer. For Medicaid, it depends on your state and the type of care. Ask Rosary Hill what documents they need from your doctor before you schedule a visit.

What happens if my Medicare coverage runs out while I am at Rosary Hill?

Once your 100 days of Medicare-covered skilled nursing care end, Medicare stops paying. You would then need to pay privately, switch to Medicaid if you are approved, or move to a different facility. Ask Rosary Hill in advance what their policy is so you are not surprised.