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:
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.