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The Ins and Outs of Assisted Living and Medicare

July 5, 2023
The Ins and Outs of Assisted Living and Medicare

The Ins and Outs of Assisted Living & Medicare 

Assisted living care is a valuable asset to individuals needing help with daily living, and unfortunately, Medicare does not cover the cost of assisted living. The above services are often expensive, and there is little information on the financial side. Below, we've provided the need-to-know information about Assisted Living and Medicare. 

What is Assisted Living Care?

Assisted living provides an alternative to nursing homes and other long-term care facilities for individuals who need help with everyday tasks but can live independently. For seniors, receiving quality personal care from the comfort of their residences is vital to their quality of life. It enables elderly adults to live independently with confidence, dignity, and peace of mind, knowing that trained professionals are available should they ever need them.

Medicare & Assisted Living

Why doesn't Medicare cover assisted living? 

The short answer is that the Medicare agency does not classify assisted living as medically necessary. The services that Medicare does cover include long-term care, skilled nursing, and rehabilitative services. It is also important to note that the coverage of these services is only for a certain amount of time. Additionally, Medicare Advantage plans and Medigap plans do not cover the costs associated with assisted living. 

How much does Assisted Living Care Cost? 

Depending on your needs, the costs of assisted living care vary. If you require services at home, the cost can be anywhere from $57,200 to $59,442. If you are looking at assisted living facilities, the average price is $63,000 for a private bedroom. Finally, nursing home care averages around $98,000 for a private bedroom. 

Alternative Options 

  • Out of Pocket 
  • Medicaid
  • Private long-term care insurance 
  • Veteran benefits 
  • Medicaid Assisted Living Coverage
  • Reverse Mortgages

*Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options

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