Senior living
Does Medicare Pay for Assisted Living?
This is one of the most common questions families ask. In general, Medicare does not pay for long term custodial care, which is the main service in assisted living.
What Medicare generally covers
Medicare is designed for medical care, such as doctor visits and hospital stays. It can cover limited, short term skilled care in some cases. It generally does not pay for ongoing help with daily activities.
Other ways families may pay
- Private savings or income
- Long term care insurance, if the person has a policy
- Some veterans’ benefits for eligible people
- State programs, which vary a lot and may be available in some states
Rules vary by state
Eligibility and benefits differ from state to state and change over time. An advisor can explain what may apply, and a local benefits office or elder law attorney can confirm the details.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.