Long Term Care Insurance Options
Contrary to common perception, health insurance is not likely to cover the cost of long term care. You should consider which option offers you the most flexibility and choice, while at the same time providing the highest level of coverage.
| Coverage Options |
Skilled Nursing Care |
Custodial Nursing Care |
Home Health Care |
Adult Day Care |
| Medicare |
Medicare provides coverage for skilled care in a skilled nursing facility only if you enter that facility with 30 days of discharge from a hospital stay that lasted at least 3 days.
Pays 100% of Covered services for days 1-20
Days 21-100 are covered after your co-payment
After 100 days, no coverage |
Not Covered |
Must need skilled care. Limited benefits. |
Not Covered |
| Medicaid |
Coverage varies state to state |
Coverage varies state to state |
Coverage varies state to state |
Coverage varies state to state |
| Private Long Term Care Insurance |
Covered* |
Covered* |
Covered* |
Covered* |
|
*Coverage will vary based on the benefit options you select as part of your insurance plan.
|
| 
