The individual receiving services is personally responsible for the cost of the services they receive.  It is important to understand what services and supplies are included in the facilities daily rate.

Medicaid is the Wisconsin Medical Assistance program. The program covers individuals who are medically needy or are categorically eligible. Contact the county Health and Human Services for program specifics.

Medicare benefits are available if you are 65 or older, under 65 and receiving disability benefits. There are also other criteria. Medicare has two parts. Part A helps cover inpatient hospital care, home health care, hospice and skilled nursing care.  There are criteria a person must meet to qualify for Part A coverage in a skilled nursing facility.

If you meet the criteria for skilled nursing care Medicare will pay for up to 100 days of service.  Medicare will cover days 1 to 20 at 100% of their payment schedule.  Payment for services on days 21 to 100 require a co-pay.

There are many different kinds of long term care insurance.  Some policies will cover all costs associated with long term care others very little.One of the most common policies is a Medicare supplement plan which covers the co-pay of a Medicare stay. Contact the Office of the Commissioner of Insurance for information on insurance. The number is 1-800-242-1060.

The Community Options Program and Family Care are programs that areadministered by the county. Contact county Department of Health and Human Services or the Aging and Disability Resource Center