Does Medicare cover long-term care?
Medicare does not cover long-term care, sometimes called long-term services and supports, or custodial care. This type of care consists of help with non-skilled personal care assistance, help with everyday activities including dressing, bathing, and other activities of daily living (ADLs). Long-term care can take place at home, in the community, in an assisted living facility or a nursing home.
Medicare and Medicare Supplement insurance (Medigap) do not cover long-term care services, although you may be eligible for it through Medicaid. Other options include long-term care insurance and certain types of life insurance which offer features which will allow you to access the death benefit should you qualify for long-term care services. Long-term care insurance and life insurance tend to be more affordable when purchased at a younger age—typically 40s and 50s.
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