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I don't mind paying the out of pocket costs, however to have to come up with cash is not always possible especially when the daily cost is $300 a day. Why can't I use a credit card at a skilled nursing facility to pay for these expenses?

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It is a common practice where I live for a facility to set up a trust account for residents to pay for extra costs, is this not an option where you are?
I had an agreement with my mom's nursing home where some extras like foot care were added to her monthly bill, is that a possibility?
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worriedinCali Dec 2019
The OP wants to use a credit card to pay for her spouses STAY at the facility. Not to put money in his trust account. The facility doesn’t accept credit cards.
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Not sure if their policies, maybe in the past credit card payments was not t hgt e best option form of payment at this company.
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Credit card companies charge merchants (like the LTC facility in this instance) a fee based on the amount of the transaction, typically 1-3%. So if a month's care is $5000, then the credit card processing fee would be $50-150; multiply the fee amount by 12 months and a number of residents and you're talking about real money. Checks cost the LTC nothing to process, assuming they clear.
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I read this is for respite care. Can you not take out a loan against the card?

Your other option would be Hospice/Palliative care. Ur partner doesn't have
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PeeWee57 Dec 2019
Or a personal loan from the bank. The interest rate is often lower than a cash advance against a credit card.
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It's going to vary from facility to facility. The SNF near me accepts credit cards for respite care.
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