Up to What Extent Will Medicare Pay for Long Term Care
Long term care is expensive in nature and there are still come who are confused whether they have coverage for this or not. The question here is will Medicare pay for long term care? Some would answer a resounding yes. That’s true but the coverage Medicare provides is very limited.
Long term care is described as the personal, social and medical care given to people who are in need of the said services due to disability, disease or old age. Out of three services that long term care offers, there is only one that Medicare covers and that is medical care.
Medicare can cover your stay in a nursing facility after three days of being hospitalized. You can stay in a nursing facility without paying anything up to 20 days but if you exceed that, then you need to use your own money to cover the expenses. But you need to understand that this is entirely different from nursing homes that long term care provides.
In terms of home health care, Medicare offers to pay for nurses and therapists but you need to qualify first. You can enjoy free home health care if you will only need health care at home for less than 8 hours in one day and less than 7 days in a week within 21 days. But Medicare can extend your coverage depending on your doctor’s advice.
To those who are still asking the question, will Medicare pay for long term care, the answer is yes but there certain rules to follow or you need to pass the qualifications first before you can receive free long term care. Medicare is really serious about providing long term care and they show it by giving limitations to the services they cover. It will stop paying once you go over the limit of the number of days they will pay for your home care services or your stay in a nursing facility.
Medicare only covers certain long term care services and that is not enough for some. Most Americans don’t have the funds to purchase long term care insurance and they only rely on Medicare because they think they are completely covered. There are limitations that they should understand and they can’t do anything but just play by Medicare’s rules if they want to receive medical care without paying for anything.
When it comes to custodial care, you can’t rely on Medicare because it doesn’t provide coverage for assistance in carrying out your daily living activities like eating, bathing, dressing and toileting. If the kind of care you are receiving is more on personal care rather than medical care, then Medicare will not pay for anything while you’re in a nursing facility.
With the mentioned circumstances it is safe to say that Medicare only offers minimal help to people who are in dire need of long term care. You can now stop asking the question will Medicare pay for long term care because it really provides coverage although in a limited way. It’s not reliable compared to when you have long term care insurance.
By means of long term care insurance quotes, you can plan your future and protect your family. CompleteLongTermCare.com wants you to make the right decision early in your life by giving you free long term care quotes and substantial discounts.
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