No, Medicare Won't Cover Your Assisted Living: Here's What You Can Do - Trusted Senior Specialists

As we age, many of us may require assistance with daily living activities, such as bathing, dressing, and eating. If you or a loved one needs this type of assistance, you may be considering assisted living as an option. But does Medicare cover the cost of assisted living? In this blog post, we’ll explore Medicare and assisted living coverage.

First, let’s define what assisted living is. Assisted living is a type of long-term care facility that provides assistance with daily living activities in a residential setting. Assisted living facilities typically offer services such as meals, housekeeping, medication management, and assistance with daily activities.

Now, let’s discuss Medicare coverage for assisted living. Unfortunately, Medicare does not cover the cost of assisted living. Medicare is a federal health insurance program that covers certain medical expenses for people who are 65 or older, have certain disabilities, or have end-stage renal disease. Medicare covers skilled nursing care, which is a type of care that is provided by licensed healthcare professionals, but it does not cover custodial care, which is the type of care provided in assisted living facilities.

So, if Medicare doesn’t cover the cost of assisted living, how can you pay for it? There are several options:

1. Medicaid: Medicaid is a joint federal and state program that provides health coverage to people with low incomes. In some states, Medicaid covers the cost of assisted living for eligible individuals.
2. Long-term care insurance: Long-term care insurance is a type of insurance that covers the cost of long-term care, including assisted living. If you have a long-term care insurance policy, it may cover some or all of the cost of assisted living.
3. Personal savings: If you have personal savings, you can use them to pay for assisted living. Make sure to factor in the cost of assisted living when creating a retirement plan.
4. Veterans benefits: If you or your loved one is a veteran, you may be eligible for veterans benefits that can help pay for assisted living.

In conclusion, Medicare does not cover the cost of assisted living. However, there are other options available, such as Medicaid, long-term care insurance, personal savings, and veterans benefits. If you’re considering assisted living for yourself or a loved one, make sure to explore all of your options and create a plan to cover the costs. For more information on Medicare or to get your important Medicare questions answered, give one of the licensed Medicare health plan agents at Trusted Senior Specialists a call.

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