Long-term care refers to a variety of care services (medical and non-medical) that helps meet the needs of people who have a chronic illness or are disabled. Generally, long-term care can be provided at home, in the community, in assisted living or in nursing homes. There are a variety of ways to pay for long-term care, but Medicare only pays for certain kinds of care. Medicare does not cover custodial care and only pays for the first 100 days of care in a skilled nursing facility or home health center. Custodial care, or nonskilled care, refers to care that helps a patient with activities of daily living like dressing, bathing, eating, diabetes monitoring etc. An individual seeking Medicare for the first 100 days at a skilled nursing facility has to meet two requirements:


1 - The individual must be receiving skilled care.
Skilled care refers to activities that can only be provided by health professionals like nurses, rehabilitative staff, doctors, etc.

No.2 - The individual must have stayed at the hospital for at least three days, and entered the nursing home within 30 days of hospital discharge.

If the requirements are met, Medicare pays the full costs for the first 20 days, and for the remainder of the days (days 21-100) Medicare pays the difference between a co-payment and the actual cost.

(Learn more about Medicare in our article What Does Medicare Cover?)

This question was answered by Chizoba Morah.

  1. Does dental insurance cover crowns?

    Dental insurance coverage may vary according to the type of plan and the level of benefits that you have elected. Most dental ... Read Full Answer >>
  2. Do FHA loans have private mortgage insurance (PMI)?

    he When you make a down payment from 3 to 20% of the value of your home and take out a Federal Housing Administration (FHA) ... Read Full Answer >>
  3. Does renters insurance cover water damage?

    An all-perils renters insurance policy does cover water damage, less the deductible, to personal property if the damage is ... Read Full Answer >>
  4. Are Flexible Spending Account (FSA) contributions tax deductible?

    The contributions you make to your Flexible Spending Account (FSA) are not tax-deductible because the accounts are funded ... Read Full Answer >>
  5. Does a Flexible Spending Account (FSA) cover massages?

    Flexible Spending Accounts (FSAs) cover massages for certain medical treatments. These treatments must be approved and prescribed ... Read Full Answer >>
  6. Does a Flexible Spending Account (FSA) cover Lasik?

    Flexible spending accounts (FSA) can be used to pay for qualifying LASIK procedures. LASIK is not the only laser eye surgery ... Read Full Answer >>
Related Articles
  1. Financial Advisors

    HSAs and FSAs: How to Decide Between Them

    FSAs and HSAs are both excellent ways to help cover a portion of medical costs with pre-tax dollars. Here's how to decide between the two.
  2. Financial Advisors

    When to Develop a Client Mental Capacity Checklist

    Dementia and Alzheimer’s disease aren't uncommon for elderly clients. Here's how advisors can create a plan for when mental capacity becomes an issue.
  3. Budgeting

    Preventing Medical Bankruptcy

    If you’re worried medical expenses could overwhelm you, there are some thing you can do to ease your concerns.
  4. Insurance

    Medicare 101: Do You Need All 4 Parts?

    Medicare is the United States’ health insurance program for those over age 65. Medicare has four parts, but you might not need them all.
  5. Insurance

    How Life Insurance Works in a Divorce

    Learn the implications of life insurance in a divorce situation, and identify the steps you should take to ensure your policies are sorted out post-divorce.
  6. Entrepreneurship

    Creating a Risk Management Plan for Your Small Business

    Learn how a complete risk management plan can minimize or eliminate your financial exposure through insurance and prevention solutions.
  7. Insurance

    What's The Difference Between Medicare And Medicaid?

    One program is for the poor; the other is for the elderly. Learn which is which.
  8. Entrepreneurship

    Identifying And Managing Business Risks

    There are a lot of risks associated with running a business, but there are an equal number of ways to prepare for and manage them.
  9. Insurance

    Cashing in Your Life Insurance Policy

    Tough times call for desperate measures, but is raiding your life insurance policy even worth considering?
  10. Insurance

    Avoiding The Modified Endowment Contract Trap

    To avoid MEC status, flexible-premium policies must cap the amount that can be paid into the policy over a period of seven years.
  1. Crowding Out Effect

    An economic theory stipulating that rises in public sector spending ...
  2. Comprehensive Glass Policy

    An insurance policy that covers glass that has been broken or ...
  3. Coastal Barrier Improvement (CBI) Act

    A federal law that makes federal disaster relief and federal ...
  4. Net Collections

    A term used in medical accounting to describe the amount of money ...
  5. Directors And Officers Liability Insurance

    Directors and officers liability insurance covers you if you're ...
  6. Corridor Deductible

    Expenses that are paid by the insured in excess of an insurance ...

You May Also Like

Trading Center