Intermediate Care
Health-related care between skilled and custodial, provided intermittently under physician orders, such as periodic therapy in a facility.
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Practice This Concept
Which of the following correctly describes the levels of care covered by long-term care insurance?
Skilled, intermediate, and custodial care, provided in facilities or at home — Long-term care insurance covers a range of care levels: skilled care, meaning daily, medically necessary care by licensed professionals; intermediate care, meaning occasional nursing and rehabilitative care; and custodial care, meaning help with activities of daily living such as bathing and dressing, which does not require professional medical skills. These services can be delivered in nursing facilities, assisted living facilities, adult day care centers, or the insured's home. The product addresses assistance with chronic conditions over time, not acute hospital treatment, and each level triggers different daily benefit amounts.
National insurance concept
Which statement best describes intermediate long-term care?
Occasional skilled nursing and rehabilitative services under a physician's orders — Intermediate care sits between skilled and custodial care: it combines personal care with intermittent skilled nursing or rehabilitation services ordered by a physician, provided on a less than 24-hour basis. AH-V.1b requires distinguishing the three care levels; intermediate care is the 'occasional skilled need' category that many transitioning patients receive after a hospital stay.
National insurance concept
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