Medicaid covers nursing home care for people who are eligible. In some States, Medicaid also pays for some home and community services. Private Insurance . Medicare beneficiaries may supplement their policy with insurance purchased from private organizations. Medigap is not long-term care insurance.
Commercial insurers offer private policies called long-term care insurance.
These policies may cover services such as care at home, in adult day care, in assisted living facilities, and in nursing homes. But plans vary widely. If you have such a policy, ask your insurer what it covers. If you think you may need long-term care insurance, start shopping while you are relatively young and healthy, and shop carefully. You may need to use resources such as savings or life insurance to pay for long-term care.