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).

Seniors Wondering about Medicare and Long Term Care

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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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Florida Medicare Experts Client Testimonials

I'm turning 65 early next year and I needed to get a start on Medicare. I saw an ad and reached out to Michelle and she was the sweetest. She helped me right away, and now I don't have to worry about it and can start to enjoy my retirement. Great company!
Jeramien Farrahh Client of Florida Medicare Expert
Jeramien F.
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Worked with Evan on an individual insurance plan for myself a couple years ago, and now my mom needs to get onto Medicare. I called Evan and he helped set my mom up with a Medicare plan with prescription coverage. It was fast, easy, and I feel at ease knowing my mom is taken care of health wise.
Olibar Ryan Client of Florida Medicare Expert
Olibar R.
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Before turning 65 everybody in the world is trying to call you and offer you 1000 plans. I stopped answering my phone. Lucky my girlfriend told me about Michelle. She is so passionate and warm it was like talking to a friend. We ended up with the best policy I have ever had in my life.
Stephen Larry Florida Medicare Expert Client
Stephen L.
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