What to Know About ICFs and Insurance


When it comes to long-term facilities, you need specific insurance coverage. With an intermediate care facility, you would need different coverages than a standard nursing home. Here is what you need to know about ICFs.

What Is an ICF?

An ICF offers a variety of different services to patients. The experts at HighlandRisk explain that facilities may hire physical therapists, social workers, dietitians, nurses and others to help residents with different tasks. These facilities may assist residents in the following tasks:

  • Housekeeping
  • Dressing
  • Bathing
  • Hygiene
  • Moving
  • Transportation

The ICF may also help make sure that the resident makes it to their appointments and can help remind them to take their medication.

What Separates an ICF From a Nursing Home?

An ICF focuses on rehabilitative care, assisted living or mentally disabled housing for adults who need monitoring or daily care. These facilities tend to have fewer costs than traditional nursing homes or other care facilities because the patients do not require 24-7 care. Due to these differences, intermediate care facilities may need different insurance coverage than a nursing home.

While ICFs may not be the same as nursing homes, it is still crucial that those who have an ICF have the appropriate insurance coverage and protections. Whenever you work in a business where someone’s care is in your hands, you need adequate coverage.

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