How well does Medicare support seniors who need assisted living, or does it fall short?

Answered by 8 licensed agents

Medicare does NOT cover Assisted Living facilities at all, You will need a long-term Care policy to cover that expense.

Answered by DeeDee Whitlock on March 31, 2025

Broker Licensed in LA

Answered by DeeDee Whitlock Medicare Insurance Agent
Great question. Medicare will cover your medical expenses that they approve. However, paying for assisted living Medicare does not cover so you would need to look at additional coverage or pay out of pocket.

Answered by Laura Shipman on March 31, 2025

Agent Licensed in KS

Answered by Laura Shipman Medicare Insurance Agent
Medicare is health insurance and does not pay for assisted living. It is a good idea to get either a long-term care (LTC) plan or a hybrid life insurance plan with an LTC rider.

Answered by Helena Foutz, RSSA on March 4, 2025

Broker Licensed in CA, AK, AR & 12 other states

Answered by Helena Foutz, RSSA Medicare Insurance Agent
No, Medicare does not cover the costs of assisted living facilities. Medicare primarily covers medical services like doctor visits, hospital stays, and skilled nursing care, but not the general costs associated with living in an assisted living facility, such as room and board, housekeeping, or assistance with daily activities

Answered by Gary Henderson on April 19, 2025

Agent Licensed in TX, AK, AL & 46 other states

Answered by Gary Henderson Medicare Insurance Agent
Assisted living is not a covered benefit of Medicare. You would need a different type of insurance for that. Such as long-term care or an Indexed Annuity with a living benefit.

Contact me for more information Marcie Barnes 940-395-6572

Answered by Marcie Barnes on April 16, 2025

Agent Licensed in TX, AK, AL & 48 other states

Answered by Marcie Barnes Medicare Insurance Agent
Medicare doesn't pay for a short-term stay in assisted living since assistance with personal care tasks isn't considered medically necessary. However, Medicare does pay for medically necessary short-term care in a nursing home

Answered by Gregory Gudis on April 14, 2025

Broker Licensed in AZ, CO, CT & 16 other states

Answered by Gregory Gudis Medicare Insurance Agent
Medicare falls short. It does not pay for assisted living. Medicaid does . Should you not qualify for Medicaid a long term care policy can relieve your burden.

Answered by Christina Bowman on April 15, 2025

Broker Licensed in TX, CO, LA, MO & OK

Answered by Christina Bowman Medicare Insurance Agent
In general, Medicare will not cover assisted living costs. While Medicare does not cover assisted living, it will continue to pay for all approved services under Parts A and B—such as hospital stays, doctor visits, procedures, and screenings.

Answered by Mark Szymanski on April 10, 2025

Agent Licensed in PA & NJ

Answered by Mark Szymanski Medicare Insurance Agent

Tags: Coverage

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