Does Medicare Cover Long Term Care Insurance? 
I meet with many seniors and they are confused about how Medicare helps them for Long Term Care . Medicare Part A has a Skilled Nursing Facility benefit . This benefit is for rehabilitation following a hospital stay . An example would be following surgery for joint replacement or broken bones . Typically , a beneficiary would have surgery at the hospital and then be admitted to a Skilled Nursing Facility for rehab . Medicare provides coverage for professionally licensed Nurses and Therapist to provide services in a home . This benefit is called Home Health . These services during a rehabilitation done in the home . This is not for the long term or permanent care of the beneficiary . Long Term Care Insurance is needed for daily activities such as bathing , toileting , transferring , feeding , and dressing . These activities can be provided by a company or relative but Medicare would not provide a benefit for these services . 