Long-term care (also called “custodial care” or “long-term services and support”) includes medical and non-medical care for people who have a chronic illness or disability. This may include:
Medicare and most other health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care. You might qualify for long-term care through Medicaid, or you can choose to buy private long-term care insurance.
You can get long-term care at home, in the community, in an assisted living facility, or in a nursing home. It’s important to start planning for long-term care now to maintain your independence and make sure you get the care you may need, in the setting you want, now and in the future. If you’re an American Indian or Alaska Native, contact your local Indian health care provider for more information.
How can I find out about long-term care options if I’m currently in a hospital or nursing home?
You pay 100% for non-covered services, including most long-term care.
Use these resources to get more information about long-term care:
Explore Medicare-covered home health services or contact your local Area Agency on Aging.
Medicaid may also cover some of these services, so contact your state Medicaid office for more information.
Contact your local Area Agency on Aging for a list of Continuing Care Retirement Communities (CCRCs) in your area.
If you're considering a CCRC, check the quality of its nursing home and its inspection report (posted in the facility).