Skilled Nursing vs. Assisted Living: How to Choose the Right Care for Your Loved One
Skilled nursing facilities (SNFs) provide 24/7 medical care for patients recovering from surgeries, illnesses, or managing chronic conditions. Unlike assisted living, SNFs offer:
- Licensed nurses on-site at all times
- Rehabilitation therapies (physical, occupational, speech)
- Complex medical management (wound care, IV therapy, catheter care)
Did You Know?
- 70% of seniors will require skilled nursing care at some point (AARP)
- Medicare covers up to 100 days in an SNF post-hospitalization
Skilled nursing isn't just 'nursing homes'—it's acute medical care that prevents hospital readmissions.
Assisted living facilities (ALFs) focus on daily living support rather than medical care. They provide:
- Meal preparation and housekeeping
- Medication reminders (but not administration)
- Social activities
Limitations
- No on-site nurses for emergencies
- Can’t handle complex medical needs
Case Example:
After her stroke, Maria’s family chose assisted living—only to move her to skilled nursing 3 weeks later when she needed daily rehab.
Factor | Skilled Nursing | Assisted Living |
|---|---|---|
Medical Care | 24/7 nursing & rehab | Limited |
Non-medical staff Cost (Monthly) | $8,000–$12,000 | $3,500–$6,000 |
Stay Duration | Short-term (30–100 days) | Long-term |
Ideal For | Post-hospital recovery | Independent seniors needing minimal help |
- Recent hospitalization (e.g., hip replacement, stroke)
- Complex wound care (pressure ulcers, surgical wounds)
- Dementia with aggression (requires behavioral management)
- Frequent falls needing rehab
- IV antibiotics or feeding tubes
Red Flag:
If an assisted living facility suggests they can handle these, verify their licensing.
Payment Source | Skilled Nursing | Assisted Living |
|---|---|---|
Medicare | Covers 100 days (with qualifications) | No coverage |
Medicaid | Covers are fully in certified facilities | Limited state programs |
Private Pay | $250–$400/day | $120–$200/day |
Pro Tip
Use Medicare’s Nursing Home Compare Tool to check coverage eligibility.
For Skilled Nursing:
- CMS 5-Star Rating (Check health inspections)
- Staff-to-Patient Ratio (1:5 or better for days)
- Rehabilitation Gym (On-site PT/OT)
For Assisted Living:
- State Licensing (No recent violations)
- Activity Calendar (Cognitive engagement)
- Emergency Response (How quickly help arrives)
Yes, but Medicare won’t cover the SNF unless preceded by a 3-day hospital stay.
Only if paired with medical needs (wandering risks alone don’t qualify).
Search, tour and consult experts
[Search Our Skilled Nursing Directory] (Filter by Medicare certification)
1
Tour 3 Facilities (Ask about their hospital readmission rates)
2
Consult a Geriatric Care Manager (For complex cases)
3
Choosing too quickly cost my father 6 months of recovery time in the wrong facility.
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