What do seniors often misunderstand about Medicare’s coverage for long-term care?

Answered by 5 licensed agents

Some seniors think that Original Medicare covers all aspects of post hospital care. That is not the case. Original Medicare only covers "Skilled Nursing Care" and only for a certain period of time. Occupational and speech therapy is post-hospital care most people need but is only covered under Long-Term and Short-Term care plans.

Answered by Joseph Bachmeier on March 25, 2025

Agent Licensed in PA, DE, FL & MD, NC, NJ & SC

Answered by Joseph Bachmeier Medicare Insurance Agent
They believe that Medicare covers LONG term Care and it does not ! That is why it's so imprtant to work with someone who knows ALL the specifics about Medicare and all the other options!

Answered by Tony Capraro III on March 27, 2025

Agent Licensed in NH

Answered by Tony Capraro III Medicare Insurance Agent
Medicare focuses on Short term care in a hospital or rehabilitation services. Medicare is focused on healthcare. If you plan on going into a LTC facility or are concerned that some years down the road you may need to go into a LTC facility, it's best to look into other options that can assist you with LTC benefits. Many Life Insurance and Annuity products have LTC riders that can provide you with benefits.

Answered by Don Hudson on April 1, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent
They believe Medicare Covers Long term care. It does not. After 90 Days in a Skilled Nursing or Hospital and you are not getting better you will need extra assistance above what your health plan will cover.

Answered by Tasha Riggs on March 27, 2025

Broker Licensed in CO, AZ, HI & 10 other states

Answered by Tasha Riggs Medicare Insurance Agent
They think it's a senior living center. No it's a long term care meaning after you had surgery you are going into a long term care to get healed and get better. You will come out eventually, you will not live there indefinitely.

Answered by Michael Kim on March 25, 2025

Agent Licensed in NV, AR, AZ & 18 other states

Answered by Michael Kim Medicare Insurance Agent

Tags: Coverage

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