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Paying for Nursing Care
Compassionate Skilled Nursing Care—No Buy-Ins, Just the Support You Need
At Cedar Hill Health Care Center, we believe exceptional skilled nursing care should be accessible, flexible, and free of unnecessary financial burdens. That’s why we do things differently. Unlike many senior communities that require large upfront buy-ins or rigid long-term contracts, Cedar Hill offers straightforward, month-to-month pricing based on the level of care each resident needs.
This approach helps families manage expenses more predictably, preserve financial flexibility, and make informed choices as health needs evolve—all without compromising on the quality of care.
Residents in our private or semi-private rooms receive around-the-clock clinical support, compassionate attention from our care team, and full access to a wide range of therapeutic and wellness services. And as part of our continuing care community, residents have priority access to enhanced medical services and specialized care as conditions change.
Getting started is simple: after completing a brief application with medical and financial details, a deposit is required to reserve a room and begin the transition.
Payment Options for Skilled Nursing Care
Paying for skilled nursing care can feel complex, but there are several reliable options to help cover the costs. At Cedar Hill Health Care Center, our admissions team is here to guide you through the process and help you make informed financial decisions.
Private Pay (Out-of-Pocket)
Many families cover skilled nursing costs directly using:
- Savings and retirement accounts (IRA, 401(k), pensions)
- Social Security or investment income
- Proceeds from the sale of a home
This option offers the most flexibility and is commonly used for short-term stays or while waiting for other benefits to begin.
Private Health Insurance
Most private health insurance plans are designed to cover acute medical care, not extended skilled nursing stays. They may:
- Cover short-term rehab after hospitalization
- Require pre-authorization or documentation of medical necessity
- Limit coverage to a set number of days
Always check your policy’s specific skilled nursing benefits.
Medicare
Medicare may cover short-term skilled nursing care (up to 100 days) following a hospital stay, if certain conditions are met:
- You had a qualifying hospital stay (3+ days)
- You require skilled nursing or rehab services
- Your care is provided in a Medicare-certified facility
Coverage Breakdown:
- Days 1–20:
Fully covered by Medicare
- Days 21–100: You pay a
daily coinsurance (in 2025, around $204/day)
- After 100 days:
No coverage
Important: Medicare does
not cover long-term or custodial care.
Long-Term Care Insurance
If your loved one has a long-term care insurance policy, it may reimburse some or all of the costs of skilled nursing. Check for:
- Daily benefit amounts
- Maximum coverage period
- Coverage of skilled nursing vs. custodial care
- Waiting or elimination periods
Veterans Benefits
Veterans and their spouses may qualify for the VA Aid and Attendance benefit, which can be applied toward skilled nursing care. Eligibility includes:
- Wartime service
- Medical and financial need
- Approval through the U.S. Department of Veterans Affairs
Using Home Equity
Families sometimes use home equity to fund care through:
- Proceeds from a home sale
- Bridge loans
- Reverse mortgages (when a spouse remains at home)
Combination of Resources
Many families blend multiple options, such as:
- Private pay and insurance
- Family contributions
- Community or nonprofit assistance
Need Help Navigating Your Options?
Our team at Cedar Hill can walk you through every step—from verifying insurance benefits to exploring Medicaid eligibility. We’ll help you find the right financial path to ensure your loved one receives the care they deserve.
