Levels of Nursing Care Covered by Florida Health Insurance

Levels of Nursing Care

There are various degrees of nursing care. The three levels often referred to in Medicare, Medicare supplement and other insurance policies include the following:

Skilled Nursing Care - This level of care provides daily (around-the-clock) nursing and rehabilitative care performed by or under the supervision of a registered nurse or a doctor.

Intermediate Care - This level of care provides less than 24-hour daily nursing and rehabilitative care performed by or under the supervision of skilled medical personnel. Care must be supervised by a registered nurse or a doctor.

Custodial Care - This lower level of care does not require a nurse to administer it. It may be provided in a nursing home or a private home, but must be recommended by a doctor. This care includes help with activities of daily living. A Medicare supplement policy provides limited nursing care coverage, as it supplements Medicare payments for skilled nursing care, but not intermediate or custodial care.