You can choose long-term care policies that pay only for nursing home care, or only for home care. Or, you can opt to purchase coverage for a mixture of care options that includes nursing home, assisted living, and adult day care. Some will pay for a family member or friend to care for you in your home.

There are many levels of categories of long-term care:

1) Skilled Nursing Care- This is continuous, around-the-clock care provided by licensed medical professionals under the direct supervision and order of a physician. This type of care is commonly administered in nursing homes.

2) Intermediate Nursing Care- This care is provided by registered nurses, licensed practical nurses, and nurse's aides under the supervision of a physician. This care does not require 24-hour supervision although it is provided in nursing homes for stable medical conditions that do require some type of daily care.

3) Personal or Custodial Care- This type of care provides assistance with the daily living activities, it does not require specialized medical training, but it must be given under a doctor's order. Custodial care can be provided in nursing homes, adult day-care centers, respite centers, or at home.

4) Home Health Care- Home care that includes skilled nursing services, such as providing therapy treatments or administering medications; home health aide services such as checking blood pressure; personal care for helping with the ADLs; and physical therapy needs.

5) Adult Day Care- This care is given in a nonresidential community-based group program designed to meet the needs of functionally impaired adults. It is a structured, comprehensive program that may provide a variety of health, social, and related support services during any part of a day.

Limitations of Medicare

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