Q & A

Does Medicare Supplement insurance cover Long Term Care?

Answer: No! According to page 127 of Medicare & You 2014, long term care includes medical and non-medical care for people who have a chronic illness or disability. Non-medical care includes non-skilled personal care assistance, such as help with every day activities like dressing, bathing and using the bathroom. At least 70% of people over 65 will need long-term care services at some point. Medicare and most health insurance plans, including Medigap(Medicare Supplement Insurance) policies don’t pay for this type of care, also called “custodial care.” Medicare only pays for medically-necessary skilled nursing facility care or home health care if you meet certain conditions.

Source: Goldman & Associates

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