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Long-term care
Medicare and most health insurance, including Medicare Supplement Insurance (Medigap) , don't pay for long-term care. This type of care (also called "custodial care" or "long-term services and supports") includes medical and non-medical care for people who have a chronic illness or disability.
Your costs in Original Medicare
You pay 100% for non-covered services, including most long-term care.
What is Long Term?
Long-term care is a range of services and support for your personal care needs. Most long-term care isn't medical care. Instead, most long-term care helps with basic personal tasks of everyday life, sometimes called "activities of daily living." This includes things like dressing, bathing and using the bathroom. Long-term care may also include home-delivered meals, adult day health care, home and community-based services and others. You may be eligible for this care through Medicaid, or you can choose to buy private long-term care insurance.
Things to know
Understanding the costs and options for long-term care is crucial for future planning. As Medicare and most health insurance don’t cover long-term care, it’s important to explore other financial strategies.
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Whether it’s considering private long-term care insurance, understanding eligibility for Medicaid, or planning for the costs of services like home-delivered meals or adult day health care, a financial consultation can provide valuable insights.
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Don’t wait until you need care to start planning. Schedule a financial consultation today to explore your options and ensure you get the care you may need, in the setting you want, now and in the future. Your future self will thank you.
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