See how much of a monthly nursing home bill is left for your family after insurance or benefits.
Use this calculator to see what remains after outside sources pay. Enter the monthly bill, the percentage of it that a policy or program covers (for example, a long-term care policy that reimburses a percentage of the bill), and any fixed dollar amounts you will put toward it each month, such as Social Security, a pension, or a VA benefit.
The math is: paid by benefits = bill x percentage + fixed amounts, and left for family = bill minus that total. Worked example (illustrative only): a $9,500 bill, no percentage-based coverage and $2,800 of monthly income gives $2,800 applied and $6,700 left each month, or $80,400 over a year.
Remember that Medicare does not pay for long-term custodial care, so many families will enter 0% here for ongoing stays. Medicare may cover part of a qualifying short-term skilled stay, and Medicaid has its own rules for how your income is applied. This tool is a planning aid and does not determine eligibility for any program. Read what Medicare and Medicaid cover before relying on any number.
Costs and Coverage
Medicare covers only short-term skilled nursing after a hospital stay. Learn how the 100-day benefit, Medicaid, Medigap and long-term care policies actually work.
