Payment & Insurance - St. Luke's Living Centers

St. Luke's Emergency Department

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Pediatric Urgent Care - Cedar Rapids

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Urgent Care - Anamosa

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Urgent Care - Hiawatha

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Urgent Care - Marion

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Urgent Care - Westside

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Payment and Insurance

Living Centers are Medicare and Medicaid certified. We accept most managed care and commercial insurance as well as private payment. For help with financial planning and understanding your options, contact our admissions team at Living Center West (319) 366-8714 or Living Center East (319) 366-8701.

Medicare benefits
A patient can receive Medicare benefits under most circumstances if:

  • The individual has been in the hospital for three consecutive midnights.
  • The patient is transferred to a nursing center for further care of the condition treated in the hospital, or other conditions requiring skilled nursing or rehabilitation services.
  • A physician certifies the patient requires skilled or rehabilitative care after a hospital stay.

Medicare doesn't cover all expenses and is not designed to pay for long-term, custodial care. Medicare premiums, deductibles and co-insurance fees change yearly. Medicare pays 100 percent of days 1 - 20 of a skilled nursing stay. Expect a co-insurance charge for days 21 - 100. Ask our admissions team to review your eligibility and benefits with you. Call Living Center West (319) 366-8714 or Living Center East (319) 366-8701 for an appointment.

Medicare covers a wide range of conditions including inpatient skilled nursing and rehabilitation services. Medicare helps pay for some skilled nursing care costs such as:

  • Meals, including special diets
  • Use of items such as braces, splints and adaptive equipment
  • Medications prescribed by physician
  • Medical supplies
  • Nursing care
  • Rehabilitation services including physical, occupational and speech therapies

Understanding Medicare

  • Medicare Part A - helps pay for hospital stays, skilled nursing facility care, home healthcare and hospice care.
  • Medicare Part B - helps pay for doctor's services and outpatient care as well as some other services such as physical and occupational therapist, some home healthcare and services and supplies that are medically necessary.
  • Medicare Part C - is Medicare's managed care benefit called Medicare Advantage plan. Each plan offers different benefits and different rules than traditional Medicare.
  • Medicare Part D - is the Medicare prescription drug coverage program. The cost and coverage varies by plan.

30-day window

You may be able to return as a Medicare recipient within 30 days of discharge without the need for another hospital stay if you have Medicare days remaining and you need skilled services again in accordance with your physician's orders.

60-day follow-up care

If you are hospitalized for three or more days within the next 60 days, you may be able to return to a skilled nursing center to begin using your remaining Medicare days as long as you need skilled care. If it has been more than 60 days since you have left a facility, you may qualify for a new 100-day benefit from Medicare if you have met the criteria above and have had 60 consecutive days of non-skilled services between hospital or rehabilitation stays.