TO SEND A QUESTION, PLEASE MAIL OR EMAIL TO:
ARISTACARE AT CEDAR OAKS, 1311 Durham Avenue, South Plainfield, NJ 07080,
Attn: Vimla Parboji or email Vimla directly at firstname.lastname@example.org
Vimla will make sure the appropriate professional/specialist answers your question
Q: Lorraine B. writes: How do I know if my insurance will be accepted
at my rehab of choice?
A: Lorraine, this is a very good question as insurance has become extremely confusing.
It is important to understand the basics. A majority of senior citizens have Medicare as
their primary insurance and will often times have a secondary insurance. If you are someone
who has Medicare as their primary insurance, the good news is that all rehab facilities
accept Medicare insurance, but Medicare has many rules of its own. In order for Medicare
to cover your stay at a subacute rehab facility you must have a hospital stay of (3) nights.
Once you have a qualified hospital stay of (3) nights, Medicare will cover up to 100 days of
your subacute rehab stay. If your stay is more than 100 days then your secondary insurance
will pay a certain amount and you, the patient, will be responsible for the co-pay outlined
by your insurance.
If you do not have Medicare it is important to understand that no subacute rehab is
the same and insurances may differ from rehab to rehab. It is crucial to inquire about financing/
insurance beforehand, because no one wants to wind up with unwanted bills at the
end of their stay. When people tour AristaCare we always discuss finances and let families
know which insurances we accept which is a whopping list of 28 right now – including Horizon
Blue Cross Blue Shield, Aetna, AARP, and Oxford (which not many in the area accept).
It is important that you make sure that your rehab of choice participates with your
If you are looking for long term care placement for a loved one and you are afraid
their money will not last, many facilities like AristaCare do accept Medicaid and have a very
diligent Social Work team that can help assist in getting you started with the Medicaid application.
I understand that nowadays there is a lot of talk about healthcare, Medicare, and
insurances and it is very easy to get confused. I have outlined the very basics, but I am not
an insurance expert. If you would like more information about insurance or are getting
ready to plan for long term financing, it is always best seek financial advice from a financial
planner or visit an elder law attorney for more information.
We always welcome visitors and new faces at AristaCare. Please know that you
can pop by anytime to get any of your questions answered. We are always here to help.