Long Term Care- Does health insurance cover it?

A number of public programs, including Medicare and Medicaid, may help pay for some long-term care services under certain circumstances. However, each program has specific rules about what services are covered, how long you can receive benefits, whether or not you qualify for benefits, and how much you have to pay in out-of-pocket costs. To accurately plan for your long-term care needs, it is very important to know the facts about what may or may not be covered, and to stay current on program changes.

Important questions answered in this section:

• What long-term care services does Medicare cover?

• What long-term care services does Medicaid cover?

• What are the eligibility requirements for Medicaid?

• How do I apply for Medicaid?

• What is Medicaid Estate Recovery?

• Are there benefits for Veterans?

• Do other state-based programs cover long-term care?

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