To speak with a licensed agent, call Gary: 602-999-7046 or Chryssoula: 480-678-7889 (TTY 711 M-F, 8am-5pm)

Does Medicare Cover the Cost of Nursing Homes?

Posted by Gary and Chryssoula DePuydt
Estimated Reading Time 1 minute 29 seconds

Does Medicare Cover the Cost of Nursing Homes?

Medicare beneficiaries often make the mistake of assuming the program will always pay for any type of medical services that they need. But when it comes to nursing home stays, which can be lengthy and expensive, you might be surprised to learn that traditional Medicare does not offer coverage for this service. In the event that you need a nursing home at some point, you will need to pay for your stay in some other way.

Essentially, you will face three options to pay for a nursing home.

Medicaid** is a joint federal and state program that offers medical care to lower-income people. Since the income threshold to qualify for Medicaid is somewhat higher for nursing home residents, you should apply even if you think your income is too high. If you’re approved, Medicaid will pay for many nursing homes (but not all of them, so check to be sure that your preferred facility accepts Medicaid payments).

If you don’t qualify for Medicaid, hopefully you planned ahead with long-term care insurance. This is a type of insurance to research in your fifties or early sixties, ideally, because purchasing a policy earlier will mean lower premiums. In the event that you need a nursing home, this type of insurance picks up some or all of the bill.

And of course, you can simply pay for a nursing home out of your retirement income. But because these facilities can be expensive, it’s definitely better to budget for the expense before it ever occurs.

If you do need to stay in a nursing home, your Medicare plan will continue to pay for doctor visits, preventive services, hospitalizations, and medications as it usually does.

Speak to one of our licensed agents for more information on your Medicare coverage options if you’re not sure of the details. We can answer your questions and help you make well-informed decisions.

 

**Depending on the state where you reside, Medicaid may be known by a different name, such as MediCal in California or Soonercare in Oklahoma.  Click here to view a full list of alternative names for Medicaid by state.

Gary and Chryssoula DePuydt
The DePuydt Agency // gary@thedepuydtagency.com or c@thedepuydtagency.com

We are local, licensed and trained independent insurance agents. We are certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. We represent most major companies with a Medicare contract and are qualified to answer any questions you may have.

Get Free Medicare Assistance

Friendly, licensed professionals are available to answer all of your questions. Call Gary: 602-999-7046 or Chryssoula: 480-678-7889 or complete the form below and we’d be happy to reach out to you.







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Close Accessibility Tools
      Accessibility Controls Reset
      Content Adjustments
      Font Size

      Default

      Line Height

      Default

      Content Scaling

      Default

      Highlight Titles
      Highlight Links
      Highlight Forms
      Align Left
      Align Center
      Align Right
      Focus Mode
      Color Adjustments
      Desaturate
      Monochrome
      Contrast

      Default

      Saturation

      Default

      Accessibility Statement

      Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

      We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

      If you wish to contact this website's owner, please use the contact form on the website.

      Our User Interface Adjustment Options

      Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

      Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

      Content highlighting - Users can prioritize key elements such as links, forms, and titles.

      Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

      Close