Medicare generally does not cover long term care expenses. Long term care refers to a range of services that help with daily activities such as bathing, dressing, and eating, for individuals who have chronic illnesses, disabilities, or other conditions that require assistance over an extended period of time. These services can be provided in various settings, including nursing homes, assisted living facilities, and in the individual's own home.
Medicare is primarily designed to cover acute care services, such as hospital stays, doctor visits, and prescription drugs. It does not typically cover custodial care, which is the type of care provided in long term care settings. Custodial care is non-medical care that helps individuals with their daily activities and does not require the skills of a medical professional.
However, there are certain circumstances in which Medicare may provide limited coverage for long term care services. For example, Medicare Part A may cover a short stay in a skilled nursing facility for rehabilitation purposes following a hospital stay. Medicare Part B may cover certain medically necessary services, such as physical therapy or occupational therapy, if they are provided by a healthcare professional.
It's important to note that Medicare coverage for long term care is limited and specific eligibility criteria must be met. Medicaid is a government program that provides more extensive coverage for long term care services for individuals with low income and limited assets. Medicaid eligibility requirements vary by state, so it's advisable to consult with a Medicaid specialist or an elder law attorney to understand the specific rules in your state.
In summary, while Medicare does not generally cover long term care expenses, there may be limited circumstances in which it provides coverage for certain services. It's important to explore other options, such as Medicaid, for more comprehensive coverage of long term care services.