Long Term Care Insurance
Medicare and Medicaid

Do government programs cover long term care?

User Avatar
Wiki User
2015-07-15 18:24:37

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.

Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.