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Does Medicare Supplement Insurance cover long term care? I'm wondering if Medicare Supplement Insurance covers long term care. Can anyone provide some information on this?
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Medicare Supplement Insurance, also known as Medigap, is designed to help cover the costs that Original Medicare doesn't pay for, such as copayments, coinsurance, and deductibles. However, it's important to note that Medicare Supplement Insurance does not typically cover long term care expenses. Long term care refers to a range of services and support for individuals who need assistance with daily activities due to chronic illness, disability, or cognitive impairment. These services can include help with activities of daily living (ADLs) like bathing, dressing, and eating, as well as assistance with instrumental activities of daily living (IADLs) like managing medications, cooking, and housekeeping. Medicare Supplement Insurance does not cover long term care services. If you are looking for coverage for long term care, you may want to consider other options such as long term care insurance or Medicaid, which is a joint federal and state program that helps with medical costs for some people with limited income and resources. It's always a good idea to review your insurance options and consult with a licensed insurance professional to determine the best coverage for your specific needs.
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