Does Medicare Pay For Long Term Care?
Medicare does NOT pay for long term care.
Many people are shocked to learn that Medicare does not pay for long term care. Although Medicare pays for some care under limited conditions for recuperative, convalescent, skilled care following a hospital stay of at least three days, a co-pay is required after the first twenty days of care up to a maximum of 100 days. After 100 days, Medicare pays nothing more and you're on your own. The average stay covered by Medicare is less than 30 days. Would you consider that long term care?
- Medicare does NOT provide ongoing personal or custodial long term care at one's Home
- Medicare does NOT provide long term care at an Adult Day Care Center
- Medicare does NOT provide long term care in an Assisted Living Facility
- Medicare does NOT provide long term care in a Skilled Nursing Facility
- Medicare does NOT provide long term care in a Continuing Care Retirement Community
Since Medicare is a national health insurance program, it does provide for some limited care. Never the less, Medicare benefits are designed to help a person regain their health and are therefore temporary in nature. After all, once you get better, you don't need care anymore. Medicare was never designed to assist people with the basic activities of daily living over a long period of time. Unless the care you need meets Medicare's strict rules, you will have to pay for care out of your own pocket.
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