Do government programs cover long term care?
Medicare only covers up to 100 days If they see improvement of
the health. Doctors pen. Medicaid has a spend down limit.
Yes, Medicare covers people over 65, and some people with
disabilities. And Medicaid covers some poor people. But Medicare
only pays a small percentage of the cost of quality nursing home
care. Medicaid can cover about half.
Also, many economists are convinced that the current Medicare
and Medicaid are unsustainable as the U.S. population ages.
Benefits will have to be cut even further in the future.
Medicare will only cover up to 100 days of "recovery" care. That
means that a person must be showing continuous signs of
improvement. If an individual has cognitive ( mental ) impairment,
such as Alzheimer's, or needs continuous help with activities of
daily living ( ADL's ) , such as eating, bathing, toileting,
mobility, dressing or continence, then Medicare does not , and will
not, cover the cost of long term care. Medicaid will cover the
costs, but only after a person has spent down their assets to the
poverty level of their state.