Many people assume Medicare will pay for long-term care if they need help as they get older. Medicare can cover certain short-term or medically necessary services, but it generally does not pay for ongoing custodial care.
Understanding the difference can help you plan ahead.
What is long-term care?
Long-term care can include assistance with everyday activities such as:
- Bathing and dressing
- Eating
- Using the bathroom
- Moving around safely
- Preparing meals
Care may be provided at home, in an assisted living community, or in a nursing facility.
What does Medicare generally cover?
Medicare may cover certain skilled nursing facility care or home health services when specific medical and eligibility requirements are met.
For example, skilled care may involve nursing services or therapy needed after an illness or injury. Coverage is subject to Medicare’s rules and is not the same as unlimited long-term care coverage.
What is custodial care?
Custodial care is help with daily activities when skilled medical care is not required. Original Medicare generally does not cover this type of care when it is the only care you need.
How can you prepare?
Long-term care planning can include:
- Discussing your wishes with family members
- Learning about care options in your community
- Reviewing your savings and financial plan
- Exploring long-term care insurance or other solutions
- Learning whether you may qualify for assistance through Medicaid
Medicaid eligibility and benefits vary by state and financial circumstances.
Planning before care is needed gives you more time to consider your choices. Contact our office at (210) 744-0553 if you would like to discuss coverage options or questions about Medicare and long-term care.