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          What is Covered by Health & Disability Insurance? What is Covered by Health & Disability Insurance?
 Costs & Who Pays
  

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    Overview
                                
                
        Who Pays for Long-Term Care?
          
                                  Using Life Insurance to Pay for Long-Term Care
                          Buying Long-Term Care Insurance
                                Costs of Care
                                
                
        What is Covered by Health & Disability Insurance?
          
                                  Coverage Limits Chart
                                      
                
        What is Long-Term Care Insurance?
          
                                  What Long-term Care Insurance Covers
                          Receiving Long-Term Care Insurance Benefits
                          Where to Look for Long-term Care Insurance
                          Long-term Care Insurance Costs
                                      
                
        Paying Privately
          
                                  Reverse Mortgages
                          Annuities
                          Trusts Many people believe that the medical insurance they currently have will pay for all or much of their long-term care. In general, health insurance covers only very limited and specific types of long-term care, and disability policies don't cover any at all.
Health Insurance
Most forms of insurance, such as the private health insurance or HMO you may have on your own or through your employer, follow the same general rules as Medicare with regard to paying for long-term care services. If they do cover long-term care services, it is typically only for skilled, short-term, medically necessary care.
Like Medicare, the skilled nursing stay must follow a recent hospitalization for the same or related condition and is limited to 100 days
Coverage of home care is also limited to medically necessary skilled care
Most forms of private insurance do not cover custodial or personal care services at all
Your plan may help you pay for some of the copayments or deductibles that Medicare imposes. For example, your plan may help cover the $137.50 per day for Medicare covered nursing home care for days 21 through 100Medigap
Medicare Supplemental Insurance, also known as "Medigap," are private policies designed to fill in some of the gaps in Medicare coverage. Specifically, these policies help to:
Cover Medicare copayments and deductibles
Enhance your hospital and doctor coverage, but does not extend to long-term care coverage
Cover the daily Medicare copayment of $148.00 per day for days 21 through 100 for the small portion of nursing home stays that qualify for Medicare coverage
Medigap insurance is not intended to meet long-term care needs and provides no coverage for the vast majority of long-term care expenses like care in a nursing home, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.There are a number of standardized Medigap plans defined by federal law. Find out more about Medigap and see what is covered at the official government website for Medicare.
Disability Insurance
Disability insurance is intended to replace some of a working person's income when a disability prevents them from working. It does not:
Cover medical care or long-term care services
Provide benefits once you are over age 65—when you are most likely to need long-term care services

                    *Last modified on 02/18/2020*
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