Paying for long-term nursing care or rehab services for yourself or a loved one can be confusing. In this article, we’ll help you understand what is included in the cost of nursing care at Otterbein, how Medicare and Medicaid come into play, and more.
What Do Long-Term Care Costs Include at Otterbein?
The cost of long-term care varies based on care needs, room, location, insurance coverage, and more. Here’s a breakdown of what the cost covers at our locations throughout Ohio and in Indiana.
- Round-the-clock care from licensed nursing staff
- Comfortable living in a private or shared suite
- Ongoing assistance with activities of daily living
- Medication administration
- Therapeutic and recreational programming
- Nutritious, chef-prepared meals that accommodate special dietary needs
- Full calendar of social, educational, and life-enriching programs
- Housekeeping and laundry services
- Cable television and all utilities (except phone)
Long-term care at Otterbein encompasses a range of extended-stay services and therapies customized to meet each resident’s medical and personal needs. Our compassionate interdisciplinary team provides comprehensive care and services to meet the ongoing medical needs of those managing chronic health conditions.
On-site physical, occupational, and speech therapists are also here to help with personalized treatment programs. Costs for specific types of therapy would be additional, depending on your needs.
How Does Medicare or Medicaid Work?
Otterbein is certified for both Medicare and Medicaid. However, these two types of payment programs address different needs.
Medicare can cover short-term rehabilitation and therapy stays following a surgery or illness. Medicare doesn’t cover assisted living or long-term care, so it won’t apply if you’re looking for these levels of care.
Medicaid is meant specifically to help cover the costs of long-term care when funds are nearly depleted. Every state has different guidelines for Medicaid eligibility. You can check your eligibility or apply for coverage here (for Ohio residents) and here (for Indiana residents).
If you still have questions about paying with Medicare or Medicaid, contact your preferred Otterbein location, and a counselor will help you through the process.
Veterans Benefits
If you or your spouse served in the U.S. military, you may be eligible for benefits that could help pay for the cost of long-term care. Even if you have never applied for benefits before, if you qualify, you will be eligible.
You can learn more about veterans’ benefits here.
Can I Use Long-Term Care Insurance?
Long-term care insurance can be used to pay for skilled nursing services at Otterbein. However, it isn’t a quick payment solution, as it can be very expensive unless purchased early.
Eligibility and rules for long-term care insurance vary widely. There are even “hybrid” long-term care insurance policies that bridge the gap between whole life insurance and traditional policies.
If you have questions about this type of insurance, it’s best to consult with your financial planner or insurance agent to determine which option would work best for you.
How Can I Learn More About Long-Term Care and Rehab Services at Otterbein?
Otterbein offers long-term care and rehab services across Ohio and in Central Indiana. Find a location near you and contact us today with any questions.
Our SeniorLife counselors can help you navigate costs, give you a clear picture of what you’ll pay, and address any concerns you may have.
This blog was originally published in 2020. It was updated in February 2026.
Leave a Reply