“Long-term care” means the health and support services that we may need as we age or have a disability. Long-term care may include care provided in a person’s home, such as home health care, in-home companion care and assistance with household tasks. Long-term care may also be provided in a residential facility, such as a nursing home, assisted living or adult family home.
Many people believe that Medicare will cover the cost of nursing home care or home care. But it is important to know that Medicare and most private health insurance cover only limited, medically necessary care. Medicare does not cover personal care—assistance with bathing, dressing, supervision for patients with Alzheimer’s disease and so forth.
The National Clearinghouse for Long-Term Care Information now offers information to help consumers plan ahead for future needs, select the right level of care, and locate resources. Information includes:
- Paying for care overview [link to: http://longtermcare.gov/costs-how-to-pay]
- Costs of care [link to: http://longtermcare.gov/costs-how-to-pay/costs-of-care]
- Sources of payment [link to: http://longtermcare.gov/costs-how-to-pay]
- Medicare [link to: http://longtermcare.gov/medicare-medicaid-more/medicare]
- Medicaid [link to: http://longtermcare.gov/medicare-medicaid-more/medicaid]
- Long-term care insurance [link to: http://longtermcare.gov/costs-how-to-pay/what-is-long-term-care-insurance]
Planning ahead for long-term care includes understanding the financial resources that can help.