Medicare offers a valuable way to pay for health care costs. However, it does not pay for custodial care only, or for services that simply assist people with daily living. It does not cover long term care."


Compare the FLTCIP with other long term care insurance offerings with our Benefits and Features Worksheet.
Compare the FTCIP with other long term care insurance offerings with our Benefits and Fearures Worksheet.

 

Will Medicare Cover Long Term Care Costs?

Will Medicare Cover Long Term Care Costs?

Generally, Medicare is available for people age 65 or older, younger people with disabilities, and people with end stage renal disease (permanent kidney failure requiring dialysis or transplant).

Medicare pays limited amounts for skilled care following a hospital stay; Medicare does not cover most long term care services which assist people with the activities of daily living over a long period of time.

Medicare will only cover the first 100 days of care in a nursing home per benefit period if you:

  1. Are receiving skilled care, and
  2. Have a qualifying hospital stay of at least three days and enter the nursing home within 30 days of that hospital discharge.

There are also some deductibles and co-pays (meaning you have to pay part of the cost). In addition, Medicare covers limited home visits for skilled care and incidental homemaker services.

For additional information on Medicare, please visit www.medicare.gov.

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 My Family Will Take Care of Me as I Age

More Information

If you need more information about the following programs, click on the links below.