Does one policy cover all our levels of care?

It should, and whether it does turns on the professional services definition rather than on the schedule of locations.

Confirm the definition spans the whole continuum rather than being drawn around one licensure category. Residents move between levels as their needs change, and the claim most likely to fall in a seam is the one arising from the transition itself: whether the decline was recognized, whether the move was timely, whether the receiving level was appropriate.

Also confirm the named insured schedule covers every operating entity on the campus. CCRC structures frequently separate the entity holding the continuing care contracts from the entity operating the skilled nursing beds, and a plaintiff will name both.