Health insurance plans and Medicare do not pay for extended long-term care needs. They limit coverage to post-hospital, short-term care while you recover.
While many people think that disability insurance covers long-term care situations, most do not. . Both short-term and long-term disability insurance products have strict limits on when they pay benefits:
As a part of this insurance review, find out if your employer offers any other benefits, including life or long-term care insurance.
The Medicare booklet, Medicare and You, provides details on your choices and coverage under Medicare. Medicare and most health insurance plans do not pay for this type of care. Medicare only pays for medically necessary skilled nursing facility care or home health care if you meet certain conditions for limited periods of time.
Your private health insurance or health plan will follow similar rules and is likely to clearly state in the “exclusions” page that custodial care (another word for long-term care) is not covered.