|The Medicare Project
topics in this section: Medicare Nursing Home coverage, long term care, Medicaid, Medicare home health care
|Medicare and Nursing Homes / Long Term Care
||Medicare and Home Health Care
||The Medicare Project Home
Medicare and Nursing Homes / Long Term Care
This is one section of The Medicare Project, a series of consumer directories that help seniors
through the maze of Medicare information in the hundreds of pages at government and private websites. Our editors
have chosen these recommendations to help you find answers to questions about Medicare insurance and coverage. This
section focuses on Medicare and nursing homes, long term care, skilled nursing care facilities.
Web pages and brochures that give help on the issue of what Medicare
covers in nursing home, long term care, and skilled care.
Help With Long Term Care: Medicare or Medicaid?
There are many people who think that Medicare will help pay for the day when they or a loved one needs continuing nursing home or other long term care. Unfortunatly, that is not usualy the case. Medicare only covers costs for services that are medically necessary.
In most cases, Medicare doesn’t pay for long-term care unless its for a medically necessary skilled nursing facility or home health care. However, you must meet certain conditions for Medicare to pay for these types of care, and there are strong limitations. "Medically necessary" usually means the care someone needs temporarily --like after surgery, perhaps-- and NOT the "custodial care" which makes up most long term care. Custodial care (non-skilled care) is care that helps you with activities of daily living, like dressing, bathing, and using the bathroom.
Medicare doesn’t pay for this type of care called "custodial care".
It's possible that a Medicare Advantage Plan --above what Medicare itself pays-- could include limited skilled nursing facility and home care (skilled care) coverage if the care is medically necessary. Of course, it would depend on the particulairs of coverage that was purchased.
(For other Medicare topics, see our home page The Medicare Project - home)
We do not sell, endorse or recommend any product or service.
Our editors selected these web pages and brochures from government, education, and non-commercial sites as a cross section of information about these subjects.
brochure:Medicare and Long-Term Care
source:Georgetown University Long-Term Care Financing Project
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A large directory of info and help for Medicaid topics and questions, including directories for Medicaid in each state.