The Myths and Facts Associated With Long Term Care – Medicare

Myth Medicare Covers Long-Term Care
One of the most prevalent Medicare fallacies is that it covers long-term care. Unfortunately, this is only partially accurate, and many seniors are astonished to learn that Medicare does not cover the majority of long-term care costs. This article will examine the limitations of Medicare coverage for long-term care and the viable alternatives.

Medicare is a government health insurance program meant largely for adults over the age of 65, but it also covers persons with disabilities and other medical conditions. Medicare covers skilled nursing care and hospice care, but not custodial care or assistance with activities of daily living such as bathing, dressing, or eating.



Non-medical assistance with daily duties such as housework, transportation, and personal care is referred to as custodial care. This type of care is frequently provided in assisted living facilities and nursing homes, and it can be costly. Sadly, Medicare does not cover the cost of custodial care, so seniors may need to find alternative means to pay for it.

A senior may choose to pay out of pocket, but this might quickly drain their funds. Medicaid, a combined federal and state program that provides healthcare coverage for low-income individuals and families, including long-term care services, is another option. Seniors may be required to spend down their assets in order to meet Medicaid’s eligibility requirements.

Another option is to get long-term care insurance, which is meant to cover the costs of long-term care. But, long-term care insurance can be costly, so it’s essential to get it when in excellent health and early on to avoid paying excessive rates.

In addition, it is crucial to remember that Medicare Advantage plans, which are sold by private insurance firms and approved by Medicare, may provide some additional long-term care benefits. This may include in-home care, personal care, and additional services. Before enrolling, it is vital to thoroughly evaluate the plan’s coverage to verify it fulfills your long-term care needs.

Medicare does pay some costs associated with long-term care, but it does not cover custodial care or assistance with everyday chores. Paying out of pocket, relying on Medicaid, or purchasing long-term care insurance will be alternatives for seniors who require these services. It is essential to plan ahead and investigate all available possibilities in order to be financially prepared for long-term care costs.

It is also important to include planning for long-term care needs in your total retirement plan. This includes evaluating your present and future healthcare requirements, predicting prospective expenditures, and investigating various funding possibilities. By taking a proactive approach to planning for long-term care, you can avoid financial strain and guarantee you receive the care you require when you need it.

Visit our Video Website Your.medicare247.org and learn more by watching some fun videos or give us a call at 559-343-2333 We are servicing people in the Central Valley and all of California.

Article By Rolando Arellano J.D. – Rolando is a graduate of law school, did a postdoctoral at Harvard Law School, also has taught at the University of San Francisco, now dedicates himself to helping people navigate the complexities of Medicare and making sure they get the correct plan so our seniors get the health services they need in their gold ages.