Skilled Nursing Facility Vs. Nursing Home

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Definition and Services

Skilled Nursing Facility (SNF):

  • A healthcare facility providing high-level medical care and rehabilitation services.
  • Staff includes registered nurses, licensed practical nurses, and therapists.
  • Offers services like wound care, intravenous therapy, physical therapy.

Nursing Home:

  • Primarily focuses on long-term care for elderly or chronically ill patients.
  • Provides assistance with daily activities like bathing, dressing, and eating.
  • Medical care is less intensive compared to SNFs.
Skilled Nursing Facility Vs. Nursing Home

Duration of Stay

Skilled Nursing Facility:

  • Designed for short-term rehabilitation.
  • Patients typically stay from a few days to a few months.

Nursing Home:

  • Intended for long-term or permanent residency.
  • Residents often stay for several years or for the remainder of their lives.

Cost and Insurance Coverage

Skilled Nursing Facility:

  • Generally more expensive due to intensive medical care.
  • Often covered by Medicare for a limited period after hospitalization.

Nursing Home:

  • Costs vary widely but can be less than SNFs for long-term stays.
  • Long-term insurance and Medicaid may cover expenses, depending on eligibility.


Skilled Nursing Facility:

  • Clinical setting focused on recovery and rehabilitation.
  • Equipped with advanced medical equipment.

Nursing Home:

  • Homelike environment prioritizing comfort and long-term living.
  • Includes amenities for leisure and social activities.
Skilled Nursing Facility Vs. Nursing Home Ltc

Admission Requirements

Skilled Nursing Facility:

  • Requires a physician’s referral.
  • Admission often follows hospitalization.

Nursing Home:

  • No specific medical condition required for admission.
  • Often chosen by families or individuals seeking long-term care.
Nursing Home Vs Skilled Nursing Facility


Choosing between a Skilled Nursing Facility and a Nursing Home depends on the individual’s medical needs, the expected duration of care, and personal preferences. While SNFs focus on short-term, intensive medical rehabilitation, Nursing Homes offer long-term care in a more homelike setting. Understanding these differences ensures the right care for yourself or your loved ones. Contact us today for a free quote.

Skilled Nursing Facility Vs. Nursing Home Long-Term Care

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Frequently Asked Questions

What is the primary distinction between skilled nursing facilities and nursing homes?

Medicare and Medicaid insurance partially covers skilled nursing care, a temporary arrangement. However, nursing home care is intended to be a permanent residence and is usually not covered by Medicare or Medicaid.

What is an example of a skilled nursing facility?

Skilled nursing facility care includes administering intravenous injections and providing physical therapy. However, requiring assistance with daily activities like bathing and dressing (custodial care) does not make someone eligible for Medicare coverage in a skilled nursing facility.

What is another name for the skilled nursing facility?

Skilled nursing facilities, or nursing homes, offer various health and personal care services.

What does SNF mean?

A Skilled Nursing Facility (SNF) is a type of healthcare institution, or a specialized section of an institution, that provides skilled nursing care and rehabilitation services.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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