Long-Term Care is NOT Covered by Medicare in All Situations

Long-term care is important in your life when it comes to being elderly or sick and this makes having the right insurance coverage vitally important.  The problem with this is that Medicare doesn’t necessarily cover this type of care when you might really need it.  Here is the definition by Medicare of what type of long-term care is covered and what type is not.

“Long-term care encompasses a variety of services that help people with health, personal needs, and activities of daily living over a period of time. This care can be provided at home, in the community, or in various types of facilities, including nursing homes and assisted living facilities. Most long-term care is custodial care. Medicare doesn’t cover this type of care if this is the only kind of care a person needs.”

Reading this care the right way is important because the last line defines what Medicare is trying to avoid doing.  They do not want to pay for long-term care if that is the only type of coverage that is needed.  This is typically how the insurance will work, it will cover the unforeseen events, not those that are predictable.