Question 1

Does Medicare pay for assisted living?

Accepted Answer

No. Medicare doesn’t pay for assisted living room and board. Some state Medicaid programs help with assisted living services.

Question 2

Will Medicaid take the house?

Accepted Answer

Often the home isn’t counted while a spouse lives there. After death, states may try to recover costs from the estate. Rules vary; get advice.

Question 3

How long does Medicare pay for a nursing home?

Accepted Answer

Up to 100 days of skilled nursing care per benefit period after a qualifying hospital stay: days 1 to 20 fully covered, days 21 to 100 with a daily copay. It doesn’t cover long-term custodial care.

Question 4

How do you qualify for Medicaid nursing home care?

Accepted Answer

You must need nursing-home-level care and meet your state’s income and asset limits. Apply through your state Medicaid agency.

Question 5

What is the Medicaid 5-year look-back?

Accepted Answer

A review of gifts and transfers made in the 5 years before applying. Transfers for less than fair value can trigger a penalty period without coverage.

Question 6

Can my mom keep her house and get Medicaid?

Accepted Answer

Often the home isn’t counted while she, a spouse or certain relatives live there, up to state limits. Estate recovery may apply later. Get advice.

Question 7

Does long-term care insurance cover nursing homes?

Accepted Answer

Usually yes, depending on the policy’s benefits, waiting period and daily limits. Check the policy and file a claim early.

Question 8

What VA benefits help with nursing home costs?

Accepted Answer

Eligible veterans and surviving spouses may qualify for VA nursing home care or a pension with Aid and Attendance. Contact the VA or an accredited representative.

Common questions: Paying for a nursing home