Health care plans that offer nursing care include Medicare, Medicaid and private funding alternatives, which include long-term care insurance, reverse mortgages and life settlements. Skilled nursing facilities, or SNF, and round-the-clock in-home skilled care are the most costly types of extensive health care, according to NIHSeniorHealth, which is a project of the National Library of Medicine and the National Institute on Aging.
Long-term care is usually provided to the elderly and people with disabilities and chronic ailments in their homes, communities or health care facilities. Certified and professional health care workers may provide assistance at a patient's home, while adult day cares are community-based settings that tend to the needs of the elderly. SNF include nursing homes and assisted living housing options that provide full-time custodial and skilled care to a patient.
Medicare is a government health insurance policy that offers coverage to all citizens aged 65 and above, as stated by WebMD. Beneficiaries under Part A of its program can avail of limited skilled nursing care for a period of 100 days upon a physician's referral. Patients can only stay at affiliated Medicare facilities.
Medicaid coverage differs from state to state. Eligible applicants for nursing care can only avail of Medicaid services after depleting their sources of personal funds. Some private health care plans offer auxiliary coverage that are not part of Medicare.