What type of insurance would likely cover a stay in a skilled nursing facility?

Long-term care insurance is specifically designed to cover the costs associated with extended care services, such as those provided in a skilled nursing facility. This type of insurance is particularly important for individuals who may need assistance with daily living activities, such as bathing, eating, and medication management, often due to chronic illness, disability, or cognitive impairment.

In a skilled nursing facility, care is typically more intensive than what is offered by home care services or assisted living, making it essential for policies focused on long-term needs. Long-term care insurance can provide benefits that help alleviate the financial burden associated with these types of facilities, which can be quite expensive.

While Medicare does cover certain skilled nursing facility stays under specific conditions, it typically does not cover long-term stays and is instead designed for short-term rehabilitation purposes. Home health care refers to services delivered at home and wouldn't cover stays in a facility, while critical illness insurance is focused on specific health conditions and does not provide coverage for long-term care services. Thus, the focus on long-term support makes long-term care insurance the appropriate coverage for stays in skilled nursing facilities.