Q: What is long-term care?
A: Long-term care refers to a range of medical and non-medical services provided to individuals who are unable to perform basic activities of daily living, such as dressing or bathing. These services can be provided at home, in the community, in assisted living or in nursing homes.
Q: What are the benefits of long-term care?
A: Long-term care insurance provides coverage for the costs of long-term care associated with the activities of daily living, such as eating, bathing, dressing, and other needs. The need for long-term care may be due to a chronic illness or injuries that require extended rehabilitation and care.
Q: What types of services are included in long-term care?
A: Long-term care can include skilled nursing care, speech, physical or occupational therapy, or home health aide services.
Q: Does Medicare pay for long-term care?
A: Medicare and most health insurance plans don’t pay for long-term care in a nursing home. Even if Medicare doesn’t cover your nursing home care, you’ll still need Medicare for hospital care, doctor services, and medical supplies while you’re in the nursing home.
Q: What is the most common type of long-term care?
A: Personal care, which includes help with everyday activities such as bathing, dressing, grooming, using the toilet, eating, and moving around, is the most common type of long-term care.
Q: What is the difference between long-term care and nursing home?
A: Long-term care provides both medical and non-medical services to individuals who need assistance with activities of daily living, while a nursing home is primarily focused on providing skilled medical care. Long-term care is typically more of a permanent residence and is not typically covered by insurance, Medicare, or Medicaid.