Regardless of which plan you choose, it is also important to know
where services are covered. If you are not in the right type of
facility, the insurance company can refuse to pay
- Policies may pay for care in different places. Many policies cover
all three: nursing facilities, your home health care, and adult day care.
Nursing Home Services:
In Kansas, policies are required
to cover stays in licensed nursing facilities. Currently this
includes assisted-living and residential health care facilities
licensed in the state.
- The average cost of nursing home
services in Kansas in 2015 was $165 per day, or $60,225 per
Home Health Care:
Home health care services are
provided in a person’s home by a licensed home health
agency. Covered services also may include part-time skilled
nursing care and physical therapy. Some policies pay for
homemaker services such as cooking, cleaning, and running
- Benefits for home health tend to be less expensive
than for nursing home care. The average cost of home
health care in Kansas in 2015 was $119 per day, or $43,426
Adult Day Care Programs:
Policies may provide reduced
coverage for services received in an adult day care
facility. These programs provide care on a daily basis to
individuals who do not require confinement in a nursing
home. Benefits typically include nursing care; therapeutic,
social, and educational activities; and constant supervision
because of Alzheimer’s or a similar disease.
- The average
cost of adult day care programs in Kansas in 2015 was $57
per day, or $20,800 per year.
If you purchase a Kansas policy and plan to move out of state, make
sure the insurance company will pay for the facility in another state.
- Other states license their facilities under different names or not
at all. Consult with the other state’s insurance department before
making a decision.
This article is published on KansasMoney.gov.
Find more information by contacting these state agencies: