Does Medicare Cover Long-Term Care

Long-term care, known as LTC, refers to a range of services and support to help you perform everyday tasks. LTC can be given in a nursing home, assisted living, or another setting. It may include medical care, therapy, 24-hour care, personal care, and even custodial care. Medicare does not usually cover LTC services; however, other organizations or forms of insurance might.


Medicaid is a state and federal program that provides health coverage for those on a limited income. It is the nation’s largest payer of LTC services and will pay for nursing home care as well. Medicare benefits also coordinate with Medicare.

Area Agency on Aging (AAA)

An AAA may be able to help connect you with services in your area through counseling.

Senior Centers

Senior centers in your area may have programs that deliver meals, provide transportation, shopping assistance, and in some cases, case management. Call your local AAA to find your nearest senior center.

Faith-based Organizations & Charities

These organizations may offer you services, financial aid, or referrals to other organizations in your area.

Geriatric Care Managers

Geriatric care managers are health and human service professionals who work with you and your family to create a care plan for you and your needs.

You can call 211 to ask for referrals to community services or contact your State Health Insurance Assistance Program (SHIP) for assistance in some areas.

You can also call the professionals here at Medicare Pathways. First and foremost, we are here to educate you and connect you with the resources you need.