Does Medicare cover Long-Term Care?Long-term care (LTC) refers to a range of services and support that help you perform everyday activities. LTC can be provided in a nursing home, assisted living facility, or other setting. LTC may include medical care, therapy, 24-hour care, personal care, and custodial care (homemaker services). Medicare usually does not cover LTC services. However, if you need care, there are other organizations and forms of insurance you can try.

 

  • Medicaid is a state and federal program that provides health coverage if you have a limited income. Medicaid benefits coordinate with Medicare. Learn more by contacting your State Health Insurance Assistance Program (SHIP) by visiting www.shiptacenter.org or calling 877-839-2675.
  • Program of All-Inclusive Care for the Elderly is a state-sponsored home care program.
  • Long-term care insurance generally covers nursing home stays and can limit your health care costs. However, it can be very expensive and you can only purchase certain LTC policies if you are in good health.
  • Home care organizations in your area may provide services at low or reduced costs.
  • An Area Agency on Aging (AAA) may be able to provide counseling and connect you with services in your area.
  • Local senior centers may have programs that can deliver meals, provide transportation and shopping assistance, and offer case management. To find senior centers in your area, call your local AAA.
  • Faith-based organizations and charities may offer services, financial assistance, and/or referrals to other organizations in your area.
  • Geriatric care managers are health and human services professionals who work privately with you and your family to create a plan of care that meets your needs.

In certain areas, you can dial 2-1-1 to ask for referrals to community services. You can also contact your SHIP for assistance and counseling.


If you are unsure what kind of care you need, you may want to start by asking your health care provider.

Read More: What Services Does Medicare Part A Cover?
Learn About: What is the Cost of Part A?
Return to: Medicare In-Depth

Does Medicare cover Long-Term Care?Long-term care (LTC) refers to a range of services and support that help you perform everyday activities. LTC can be provided in a nursing home, assisted living facility, or other setting. LTC may include medical care, therapy, 24-hour care, personal care, and custodial care (homemaker services). Medicare usually does not cover LTC services. However, if you need care, there are other organizations and forms of insurance you can try.

 

  • Medicaid is a state and federal program that provides health coverage if you have a limited income. Medicaid benefits coordinate with Medicare. Learn more by contacting your State Health Insurance Assistance Program (SHIP) by visiting www.shiptacenter.org or calling 877-839-2675.
  • Program of All-Inclusive Care for the Elderly is a state-sponsored home care program.
  • Long-term care insurance generally covers nursing home stays and can limit your health care costs. However, it can be very expensive and you can only purchase certain LTC policies if you are in good health.
  • Home care organizations in your area may provide services at low or reduced costs.
  • An Area Agency on Aging (AAA) may be able to provide counseling and connect you with services in your area.
  • Local senior centers may have programs that can deliver meals, provide transportation and shopping assistance, and offer case management. To find senior centers in your area, call your local AAA.
  • Faith-based organizations and charities may offer services, financial assistance, and/or referrals to other organizations in your area.
  • Geriatric care managers are health and human services professionals who work privately with you and your family to create a plan of care that meets your needs.

In certain areas, you can dial 2-1-1 to ask for referrals to community services. You can also contact your SHIP for assistance and counseling.


If you are unsure what kind of care you need, you may want to start by asking your health care provider.

Read More: What Services Does Medicare Part A Cover?
Learn About: What is the Cost of Part A?
Return to: Medicare In-Depth

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