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Does Medicare Cover Long-Term Care Services?

Yes, but not much.  Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don't pay for Long-Term Care. This type of care (also called "custodial care" or "long-term services and supports") includes medical and non-medical care for people who have a chronic illness or disability.  This highlights the importance of LTC Insurance coverage.

If your clients do receive Medicare benefits for LTC, there are co-payments required for days 20-100. Here’s a link to the recently announced co-payments for 2023 (courtesy of Mutual of Omaha’s blog).

Mutual of Omaha's Blog Post

Medicare.gov (Long-Term Care)