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 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 The below chart shows the most common types of insurance and the very limited long-term care coverage they provide.
**Coverage Limits of Long-term Care Offered by Health Insurance**
Public
PrivateLong-term care Service
Medicare
Medigap Insurance
Private Health InsuranceOverview
Limited coverage for nursing home care following a hospital stay and home health if you require a nurse or other skilled provider
Insurance purchased to cover Medicare cost sharing
Varies, but generally only covers services for a short time following a hospital stay, surgery or while recovering from an injuryNursing home care
Pays in full for days 1–20 if you are in a Skilled Nursing Facility following a recent 3-day hospital stayIf your need for skilled care continues, may pay for the difference between the total daily cost and your copayment of $137.50 per day for days 21-100. After day 100 does not pay
May cover the $137.50 per day copayment if your nursing home stay meets all other Medicare requirements
Varies, but limitedAssisted living facility (and similar facility options)
Does not pay
Does not pay
Does not payContinuing Care retirement community
Does not pay
Does not pay
Does not payAdult day services
Not covered
Not covered
Not coveredHome health and personal care
Limited to reasonable, necessary part-time or intermittent skilled nursing care and home health aide services, some therapies if a doctor orders them, and a Medicare-certified home health agency provides them.Does not pay for on-going personal care or only help with Activities of Daily Living (also called "custodial care")
Not covered under current policies.Some policies sold prior to 2009 offered an at-home recovery benefit that pays up to $1,600 per year for short-term at-home assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an illness, injury, or surgery
Varies, but limited

                    *Last modified on 02/18/2020*
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