Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care. This type of care (sometimes called “long-term services and supports”) includes medical and non-medical care for people who have a chronic illness or disability. This includes personal care assistance, like help with everyday activities, including dressing, bathing and using the bathroom. Long-term care may also include home-delivered meals, adult day health care, and other services. You may be
eligible for this care through Medicaid, or you can choose to buy private longterm 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 to make sure you get the care you may need, in the setting you want, now and in the future.