Does Medicare Cover Long-Term Care?
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Medicare provides very limited long-term care coverage — only short-term skilled nursing (up to 100 days per benefit period) after a qualifying hospital stay, with daily coinsurance after day 20. It doesn't cover custodial care — help with bathing, dressing, and eating — which is what most people need for extended periods. Home health coverage is limited to skilled medical care, and Medicare doesn't cover assisted living or adult day care. Medigap and Medicare Advantage plans also generally don't pay for long-term custodial care.