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Extended Care Services

Long-term (or custodial) care and home health care are the fastest growing segments of the healthcare industry - but they are NOT covered by Medicare.


Some people assume that Medicare will cover long-term care, such as a stay in a nursing home. But in reality, it only covers long-term care stays for rehabilitative purposes only. And even then you will be responsible for shared costs after a certain period. So if you're planning for yourself, or caring for an older relative, here's what you need to know.


  • Medicare does not provide coverage for people who need to go into nursing homes indefinitely because they are disabled or can no longer take care of themselves.

  • Medicare also does not cover assisted living or adult daycare.

  • Medicare also does not cover daily custodial care, such as assistance with eating, bathing and dressing.

If Medicare Won't Pay for Long-Term Care, What Should I Do?

Long-term care can be tremendously expensive, and unfortunately, your options for covering it are limited. 

However, in recent years certain insurance companies have found a way to possibly offer you protection through 'hybrid' plans. These new plans can give you a long-term care benefit. It could, essentially, mean that you will be covered for long-term care at no additional cost to you! To learn more about these opportunities click on our Long-term Care page.   

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