|
Long-Term
Care Service |
Medicare
|
Private
Medigap Insurance |
Medicaid
|
You Pay on
Your Own* |
|
Nursing Home Care |
Pays in full
for up to 20 days if you are in a Skilled Nursing Facility
following a recent hospital stay. If your need for skilled
care continues, may pay for days 21 through 100 after you pay
a daily co-payment |
May cover the
daily co-payment if your nursing home stay meets all other
Medicare requirements. |
May pay for
care in a Medicaid-certified nursing home if you meet
functional and financial eligibility criteria. |
If you need
only personal or supervisory care in a nursing home and/or
have not had a prior hospital stay, or if you choose a nursing
home that does not participate in Medicaid or is not
Medicare-certified.
|
|
Assisted Living Facility |
Does not pay
|
Does not pay
|
In some states,
may pay care-related costs, but not room and board
|
You pay on your
own except as noted under Medicaid if eligible.
|
Continuing Care Retirement Community
|
Does not pay
|
Does not pay
|
Does not pay
|
You pay on your
own |
|
Adult Day Services |
Not covered
|
Not Covered
|
Varies by
state. Financial and functional eligibility required
|
You pay on your
own [except as noted under Medicaid if eligible.
|
|
Home Health Care |
Limited to
reasonable, necessary part-time or intermittent skilled
nursing care and home health aide services, and some therapies
that are ordered by your doctor and provided by
Medicare-certified home health agency. Does not pay for
on-going personal care or custodial care needs only (help with
activities of daily living).
|
Not covered
|
May pay for
if you
meet functional and financial eligibility criteria.
States
have the option to limit some services, such as therapy.
|
You pay on your
own for personal or custodial care, except as noted under
Medicaid, if you are eligible. |
