Does Medicare Cover Assisted Living Care?
Assisted living facilities are housing options that fall in the category between independent living and Skilled Nursing Facility (SNF) care. These facilities assist with daily living and may also provide support services such as personal care assistance and the administration of medications. Assisted living facilities generally offer more privacy and freedom than nursing homes do. They also offer more custodial services such as meals, personal care assistance, transportation, and 24-hour supervision, which Medicare generally does not cover. Medicare covers qualified health care costs accrued while you are living at the assisted living facility, but it does not cover the cost of the facility itself.
Medicare generally does not cover long-term care as it only covers short-term stays in skilled nursing or rehabilitation facilities. Certain Medicare Advantage plans may offer additional skilled nursing and home care beyond that covered by Original Medicare, but you may have to pay more for these plans. Additionally, Medicare Supplement (Medigap) plans generally do not cover long-term care.
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