Medicare generally does not cover the cost of assisted living facilities. Medicare Part A (hospital insurance) may cover a short-term stay in a skilled nursing facility if it is medically necessary after a hospital stay, but it does not cover long-term care in assisted living facilities. Medicare Part B (medical insurance) may cover some medical services provided in an assisted living facility, such as doctor visits and certain preventive services, but it does not cover the cost of room and board or personal care services. Medicare Part D (prescription drug coverage) may cover prescription medications for individuals living in assisted living facilities, but this coverage is separate from the cost of the facility itself.
It's important to note that while Medicare does not cover assisted living, there may be other options available to help cover the cost. For example, Medicaid is a joint federal and state program that provides health coverage for low-income individuals, including coverage for long-term care services in some cases. Some states have programs that offer financial assistance specifically for assisted living. Additionally, there are private long-term care insurance policies that may provide coverage for assisted living expenses. It's recommended to consult with a knowledgeable insurance specialist or contact Medicare directly for more information on coverage options for assisted living facilities.