Long Term Care refers to a variety of services in the area of health, personal care, and social needs of persons who become chronically disabled, ill, or unable to perform normal activities of daily living.
- LTC insurance typically covers basic daily needs over an extended period of time. While health care insurance or Medicare helps pay for immediate medical expenses – such as a surgeon’s bill or a doctor’s visit – it will not cover the costs associated with long term chronic illnesses and daily care.
- Medicare by itself will cover up to 100 days of care in a nursing home only after spending three days in the hospital and requiring skilled care.
- Medicare will cover some home health care, with strict requirements – usually does not approve more than 4-10 hours per week.
- Approved hours vary based on condition and doctor recommendation. 24/7 home care is never covered.
- Medicare will pay for hospice care for people who are terminally ill.
- Any services covered by Medicare must be received in a Medicare-Certified skilled nursing facility, home health or hospice agencies.
- Medicare will never pay for care in a continuing care retirement community or in an assisted living facility.
Per the American Association for Long-Term Care Insurance, a list of states participating in Partnership Program can be found here:
Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. Insurance guarantees are based on the claims paying ability of the issuing insurance company.