Medicare does not cover long term care insurance. Long term care insurance is a separate type of insurance that helps cover the costs of long term care services, such as assistance with daily activities in a nursing home or at home. Medicare typically covers short-term skilled nursing care or rehabilitation services, but it does not cover long term care services. Individuals who are interested in long term care insurance should consider purchasing a separate long term care insurance policy to help cover the costs of potential future long term care needs. It's important to review the specific coverage options and limitations of any long term care insurance policy before making a purchase.