Skilled nursing facility expenses are sometimes covered by _____, but ONLY if the insured was hospitalized prior to entering the facility.

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Multiple Choice

Skilled nursing facility expenses are sometimes covered by _____, but ONLY if the insured was hospitalized prior to entering the facility.

Explanation:
Medicare is the coverage in question because skilled nursing facility care is paid under Medicare Part A, but only if you’ve had a qualifying inpatient hospital stay first. If you meet that condition, Medicare can cover skilled nursing facility services for up to 100 days per benefit period, with days 1–20 typically covered in full and days 21–100 subject to a daily coinsurance, and the facility must be Medicare‑certified and the care must be skilled (not just custodial). Without a prior hospital admission, Medicare does not provide SNF coverage. HMOs may cover some SNF care under their plans but aren’t defined by a hospital-stay prerequisite. Medicaid can pay for SNF if someone meets financial eligibility, but the specific hospitalization-triggered SNF coverage described here is a Medicare rule. Medicare Supplements (Medigap) help with out-of-pocket Medicare costs but don’t independently provide SNF coverage beyond what Medicare pays.

Medicare is the coverage in question because skilled nursing facility care is paid under Medicare Part A, but only if you’ve had a qualifying inpatient hospital stay first. If you meet that condition, Medicare can cover skilled nursing facility services for up to 100 days per benefit period, with days 1–20 typically covered in full and days 21–100 subject to a daily coinsurance, and the facility must be Medicare‑certified and the care must be skilled (not just custodial). Without a prior hospital admission, Medicare does not provide SNF coverage.

HMOs may cover some SNF care under their plans but aren’t defined by a hospital-stay prerequisite. Medicaid can pay for SNF if someone meets financial eligibility, but the specific hospitalization-triggered SNF coverage described here is a Medicare rule. Medicare Supplements (Medigap) help with out-of-pocket Medicare costs but don’t independently provide SNF coverage beyond what Medicare pays.

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