Medicare/Medicaid Coverage for Long Term CarePosted: Updated:
Medicare Covers Limited Long Term Care Benefits:
- Primarily post-acute care
- Home health services: Beneficiaries who are homebound, Need part-time skilled nursing or therapy services, and are under the care of a physician. Twenty-seven visit per user on average, was allowed in 2005.
- Skilled nursing facility care: Up to 100 days for those recently discharged from a hospital. Thirty-five days covered on average in 2005.
Source: The Lewin Group based on Long Term Care Financing Model.
Medicaid and Long-Term Care:
Medicaid is a State and Federal Government program that pays for certain health services and nursing home care for older people with low incomes and limited assets. In most states, Medicaid also pays for some long-term care services at home and in the community. Who is eligible and what services are covered vary from state to state. Most often, eligibility is based on your income and personal resources.
Choosing Long-Term Care:
Choosing long-term care is an important decision. Planning for long-term care requires you to think about possible future health care needs. It is important to look at all of your choices. You will have more control over decisions and be able to stay independent. It is important to think about long-term care before you may need care or before a crisis occurs. Even if you plan ahead, making long-term care decisions can be hard.
The following links provide you with information on planning for your long-term care:
- What kind of care you need
- How your needs may change
- What long-term care choices you have
- How you will pay for your care
- Long-Term Care Planning Tool
>Click here for more frequently asked questions about Medicare and Medicaid
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