Medicare and Long Term Care
Long-term Care Services & Your Personal Care Needs
Medicare and Long Term Care
Long-term care is a range of services and support for your personal care needs. Most long-term care isn’t medical care. Instead, most long-term care helps with basic personal tasks of everyday life, sometimes called “activities of daily living.”
What should you know about Long Term Care and Medicare?
Well, Medicare doesn’t cover long-term care (also called custodial care) if that’s the only care you need. Most nursing home care is custodial care, which is care that helps you with daily living activities (like bathing, dressing, and using the bathroom).
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If Medicare Won’t Pay for Long-Term Care, What Should I Do?
Long-term care can be tremendously expensive, and unfortunately, your options for covering it are limited. We can offer you long-term care insurance that covers and gives benefits that Medicare doesn’t. Long-term care will cover an individual for a myriad of events like:
- Skilled nursing facility past 100 days
- Home Health Care (average person will need LTC for 3 to 5 years)
- Nursing Home Stay (average person will need LTC for 2.4 years)
- Assisted Living Facility (average person will need LTC for 2.5 to 3 years)
We recommend you purchase a long-term policy earlier in your life, because the premium increases as you age, so purchasing early makes the policy more affordable. Questions on Long-term Care? Give us a call today!
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