Does Medicaid Cover Long-Term Care?
Medicaid is a joint federal and state program that provides health coverage for low-income individuals, including long-term care services. Coverage for long-term care varies by state, but generally, Medicaid does cover various types of long-term care, including:
- Nursing home care: Medicaid can cover the costs of care in a skilled nursing facility for eligible individuals who require assistance with daily activities.
- Home and community-based services (HCBS): Many states offer programs that allow individuals to receive care at home or in community settings. This can include personal care services, adult day care, and respite care.
- Assisted living: Some states may offer coverage for assisted living facilities under specific waivers or alternative programs.
To qualify for Medicaid long-term care benefits, individuals typically must meet certain financial criteria, such as income and asset limits. Eligibility also often requires that the individual has a medical necessity for the level of care being sought.
It’s important to note that Medicaid is considered a payer of last resort, meaning that it will cover care only after other financial resources have been exhausted. Additionally, states have flexibility in designing their Medicaid programs, resulting in variations in what is covered and how services are delivered.
For those seeking long-term care services, it is advisable to consult with a Medicaid specialist or elder law attorney to navigate the complexities and ensure you understand the available options and eligibility requirements.