Does Medicare cover long-term care in a nursing home?

Medicare generally does not cover long-term custodial care in a nursing home. It may cover limited short-term skilled nursing or rehabilitation services after a qualifying hospital stay, but it does not pay for ongoing long-term care when help is primarily with daily activities.

Does Medicare cover assisted living?

Medicare typically does not cover assisted living costs such as room and board or custodial help with daily living. Some medically necessary services provided while you are in an assisted living setting may be covered, depending on the service and how it is billed.

Does Medicare pay for in-home care?

Medicare may cover certain home health services when they are medically necessary and ordered by a doctor, such as intermittent skilled nursing, physical therapy, occupational therapy, or speech therapy. Medicare generally does not cover long-term custodial home care or 24-hour care.

When should I start planning for long-term care?

It is usually best to plan before a health crisis. Planning early can provide more options and flexibility, while waiting may limit choices and increase costs. A clear plan can help protect savings and reduce financial stress for your family.

What are common ways to pay for long-term care?

Long-term care is commonly funded through a mix of personal savings, long-term care insurance or hybrid policies, and in some cases needs-based programs. The best approach depends on your health, budget, and goals.

Can Medicare Advantage plans include extra long-term care or in-home support benefits?

Some Medicare Advantage plans may offer additional benefits that can support certain health-related needs at home, but coverage varies by plan and location. It’s important to review your plan options carefully to understand what is included.

How do I find out what my options are for long-term care planning?

The best first step is to review your situation, your health needs, and your financial goals to understand what planning options fit. Medicare Plan Assistance can explain how Medicare works with long-term care and help you understand the paths available.

Florida Long-Term Care & Medicaid Planning

Protect Your Savings From Long-Term Care Costs

Nursing homes in Florida can cost $9,000+ per month. Learn how to protect your assets and plan before it’s too late

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The Reality of Long-Term Care

long-term-care-for-seniors-on-medicare-in-florida

70% of people over 65 will need some form of long-term care.
Medicare does NOT cover most long-term custodial care.
Nursing home costs in South Florida can exceed $100,000 per year.

Without a plan, families often face:

Rapid depletion of retirement savings
Selling a home to cover care
Financial stress on children
Medicaid spend-down confusion

You deserve clarity before a crisis happens.

📞 Have questions about protecting your savings? Call (561) 808-9410 for a confidential discussion.

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What Medicare Does (And Does NOT) Cover

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What Medicare Covers:

✔ Short-term skilled nursing (limited days)
✔ Rehabilitation after hospitalization
✔ Certain home health services

What Medicare Does NOT Cover:

✘ Long-term custodial care
✘ Extended nursing home stays
✘ Ongoing assisted living
✘ Memory care for Alzheimer’s beyond short-term treatment

This is where many families are caught off guard.

How Long-Term Care Can Be Funded

There are several possible strategies:

how-to-pay-for-long-term-care-what-are-the-qualification-for-long-term-care

• Traditional long-term care insurance
• Asset protection strategies
• Hybrid life insurance with LTC benefits
• Medicaid planning strategies
• Private pay planning
• Veterans benefits (if applicable)

The right approach depends on:

Your age
Health
Assets
Retirement income
Family situation

There is no one-size-fits-all solution.

📞 Call (561) 808-9410 to explore which option fits your situation.

Why Planning Early Matters

✔ You are still healthy
✔ You qualify medically
✔ You can choose coverage
✔ You are not in crisis

Waiting too long can limit options dramatically.

Planning early gives you:

More control
More affordability
More protection
More peace of mind

Long-term care planning is most effective when:

Speak With A Local Advisor

Long-Term Care Planning in Broward & Palm Beach

We help individuals and families in South Florida understand:

How long-term care costs work
What Medicare actually covers
How to protect assets legally
When to consider insurance or Medicaid planning
How to avoid financial surprises

A simple conversation to help you make an informed decision.

📞 Call (561) 808-9410 Today For A Free Long-Term Care Consultation

Frequently Asked Questions

Only short-term skilled care. It does not cover long-term custodial stays.
The earlier the better. Options decrease as health changes.
You may still have planning options. It depends on the situation.
Possibly — but eligibility rules are complex and require planning.ion

Don’t Wait Until There’s A Crisis

Long-term care planning isn’t about fear.
It’s about protecting what you’ve worked your whole life for.

Speak with a licensed local advisor and get clarity.

Call (561) 808-9410

Speak With A Long-Term Care Specialist