For Consumers

Does Medicare pay for long-term care?

Long-term care is a range of services and support for your personal-care needs. Most long-term care isn't medical care, but rather help with basic personal tasks of everyday life (also called activities of daily living), such as dressing and bathing.

Medicare, including Medigap plans, doesn't cover long-term care or nursing home care, because both are considered custodial care. 

However, Medicare does cover:

  • Care in a long-term care hospital
  • Skilled nursing care in a skilled nursing facility
  • Eligible home health services
  • Hospice and respite care