Rosary Hill's Insurance Acceptance
Rosary Hill is a senior living community in Hawthorne, New York. Whether it accepts Medicare and Medicaid depends on which services you need and which part of the facility you are entering. Rosary Hill operates independent living, assisted living, and skilled nursing units, and each has different payment rules.
Medicare and Medicaid do not work the same way at senior living communities as they do at hospitals or doctor's offices. Medicare typically does not cover room and board at independent or assisted living facilities. Medicaid may cover assisted living or skilled nursing care in some states, but only under specific conditions and usually only after you have spent down your assets to a certain level.
To know whether Rosary Hill will accept your insurance, you need to call the facility directly at their admissions office. They can tell you which units accept which forms of payment and what your out-of-pocket costs would be. This conversation should happen before you tour the facility or sign any paperwork.
Key Takeaways
- Rosary Hill operates multiple levels of care, and each level has different payment rules for Medicare and Medicaid.
- Medicare does not typically cover room and board at independent or assisted living, only skilled nursing care under specific conditions.
- Medicaid coverage for assisted living or skilled nursing varies by state and requires meeting asset and income limits.
- Contact Rosary Hill's admissions office directly to learn which insurance they accept for the specific level of care you need.
- Bring documentation of your insurance coverage and financial situation when you call, so they can give you accurate cost information.
What Medicare Covers at Skilled Nursing Facilities
If Rosary Hill has a skilled nursing unit, Medicare Part A may cover a portion of your stay — but only under strict conditions. You must have been hospitalized for at least three consecutive days, be admitted to skilled nursing within 30 days of hospital discharge, and require daily skilled nursing or rehabilitation services that cannot be done at home.
Medicare Part A covers up to 100 days of skilled nursing care per benefit period. The first 20 days are fully covered. Days 21 through 100 require you to pay a daily coinsurance amount, which changes each year. After 100 days, you pay all costs yourself. This is not the same as covering room and board indefinitely — it is temporary, post-hospital care only.
If you do not meet these conditions, Medicare will not pay for your stay at Rosary Hill, even if it is a skilled nursing unit. You would need to pay privately or use Medicaid if you are financially may be able to access.
How Medicaid Works at Senior Living Communities
Medicaid is a state program, so what it covers at Rosary Hill depends on New York State's rules. New York Medicaid can help pay for assisted living or skilled nursing care, but you must meet strict financial limits. Your countable assets must be below a certain threshold — typically around $15,000 for an individual, though this changes and varies by program — and your monthly income must fall within the state's limits.
Medicaid also requires a "spend down" period. If you have more assets than the limit allows, you must spend that money on your care before Medicaid begins paying. Rosary Hill's admissions staff can explain how this works and what assets count toward the limit. Some assets, like your primary home or a car, may not count, but savings and investments usually do.
New York Medicaid also requires you to apply through your local Department of Social Services. Rosary Hill cannot determine your Medicaid status — only the state can. The facility can tell you whether they accept Medicaid payments, but you must complete the state application yourself or with help from a social worker.
Private Pay and Out-of-Pocket Costs
If you do not have Medicare or Medicaid coverage for your stay, or if those programs do not cover the full cost, you will pay privately. Private pay rates at senior living communities vary widely based on the level of care, the specific services included, and the facility's location. Rosary Hill's rates will be different from other facilities in the area.
When you contact Rosary Hill, ask for a detailed cost breakdown. This should include the base monthly fee, any additional charges for services or supplies, and what happens if your care needs increase. Some facilities charge a one-time entrance fee in addition to monthly costs. Ask whether that fee is refundable and under what circumstances.
If private pay is too expensive, ask Rosary Hill whether they have a financial assistance program or whether they work with nonprofits that help seniors pay for care. Some facilities have limited scholarship funds or sliding scale fees based on income.
Steps to Verify Coverage Before Moving In
Before you commit to Rosary Hill, take these steps to understand your actual costs. First, call Rosary Hill's admissions office and tell them which level of care you need — independent living, assisted living, or skilled nursing. Ask which insurance plans they accept and request a written list of their current rates.
Second, contact your Medicare or Medicaid office directly to confirm what they will cover. Do not rely only on what the facility tells you — verify it yourself. For Medicare, call 1-800-MEDICARE. For Medicaid, contact New York State's Department of Social Services or your local office.
Third, if you think you may need Medicaid, ask Rosary Hill whether they have a social worker on staff who can help you understand the application process. Some facilities have staff trained to help residents navigate Medicaid enrollment. This is not the same as them determining your may be able to access, but they can point you to the right forms and offices.
Fourth, get everything in writing. Before you sign an admission agreement, make sure the facility has provided you with a written statement of what insurance they accept, what your monthly costs will be, and what happens if your insurance coverage changes or ends.
What to Bring When You Call
When you contact Rosary Hill, have the following information ready. You will need your Medicare card or number if you have Medicare, your Medicaid card or number if you are already enrolled, and documentation of your current income and assets if you think you may need Medicaid. You should also know which level of care you need — this affects what insurance will cover.
If you have been recently hospitalized and are being discharged to Rosary Hill, bring your hospital discharge papers. These show whether you meet Medicare's requirements for skilled nursing coverage. If you do not have these papers yet, ask the hospital's discharge planner to send them to Rosary Hill before you arrive.
Frequently Asked Questions
Will Medicare pay for independent or assisted living at Rosary Hill?
No. Medicare does not cover room and board at independent or assisted living facilities. It only covers skilled nursing care after a hospital stay, and only for up to 100 days per benefit period. If you need independent or assisted living, you must pay privately or use Medicaid if you are financially may be able to access.
How do I know if I may have access to for Medicaid at Rosary Hill?
You must contact New York State's Department of Social Services to apply. Rosary Hill can tell you whether they accept Medicaid, but they cannot determine your may be able to access. You will need to provide proof of your income and assets. The state will review your application and tell you whether you may have access to and what your share of costs will be.
What if Rosary Hill does not accept my insurance?
Ask whether they accept any other insurance plans or whether they have a waiting list for Medicaid. You can also contact your local Area Agency on Aging or call 211 to find other senior living communities in your area that accept your insurance. Do not assume one facility's answer applies to all facilities.
Can Rosary Hill help me apply for Medicaid?
Rosary Hill cannot submit a Medicaid application for you, but they may have a social worker who can explain the process and point you to the right forms. You or a family member must complete the application through the state. Some legal aid organizations also help seniors with Medicaid applications for free.
What if my Medicare coverage runs out while I am at Rosary Hill?
If you are in a skilled nursing unit and your 100 days of Medicare coverage end, you will need to pay privately or switch to Medicaid if you are may be able to access. Tell Rosary Hill in advance if you think this might happen. They can explain what your costs will be after Medicare stops paying and whether you can stay at the facility.