Medicare and Assisted Living

Find Out Whether Medicare Helps Pay for Assisted Living


What It Is
Residence in an assisted living facility

What's Covered
Neither Medicare Part A, Medicare Part B, nor any Medicare Part C Medicare Advantage plan (also known as a Medicare Advantage plan) covers residence in an assisted-living facility.

Tip: In limited circumstances, Medicare Part B or a Medicare Part C Medicare Advantage plan can cover short-term, in-home healthcare from an outside agency delivered to a patient who resides in an assisted-living facility.

What Medicare Pays
Medicare pays nothing for residence in an assisted-living facility.

Important: Regardless of the rules regarding any particular type of care, in order for Medicare Part A, Medicare Part B, or a Medicare Part C plan to provide coverage, the care must meet two basic requirements:

  • The care must be "medically necessary." This means that it must be ordered or prescribed by a licensed physician or other authorized medical provider, and that Medicare (or a Medicare Part C plan) agrees that the care is necessary and proper. For help getting your care covered, see FAQ: How Can I Increase the Odds That Medicare Will Cover My Medical Service?

  • The care must be performed or delivered by a healthcare provider who participates in Medicare.

Discover 8 Smart Ways to Pay for Assisted Living

Was this medicareinformation helpful?

34 Comments So Far. Add Your Wisdom.

over 1 year ago

This is all very helpful and wonderful resource information but I must warn, with Medicaid, there is a downside, that downside is if you use them for care such as assisted living facility and some in home care, they make you sign a paper, basically saying they can come after you down the line for the expense by means of taking your /your families house. I am disabled and caring for two very disabled parents full time without help. I don't want their help if it poses a risk of losing a place to live and not under a bridge somewhere down the line. Just a thought. Be careful, same with Reverse Mortgage!


over 1 year ago

Awaiting ANWSER if available


Anonymous said over 2 years ago

$$$$$Get Paid ???? If you are looking to get paid you are going to be disappointed my friend. I have cared for my Mom six years now as the sole caregiver on a 16/7 basis till recently when she decided she now longer wanted to go to the daycare while I work a Public Job so now she has decided she wants to venture outside and wander abit. Well ..With an anonymous call to the Adult Protective Services from a neighbor with too much time on their hands I have been warned and or threatened twice now with incarceration Oh yea ... I am being told by the Wake County Adult Protective Services in North Carolina that if I do not follow their advice I am subject to arrest and criminal charges for Elderly neglect. I have never, will never, my mama will never qualify for a dime of assistance, I work for the State of North Carolina. We have family but they amount to nothing since I have not seen any of them nor have they wore out the ringer on either of our phones. So $$$$ do not look for any money, and really its an insult to some of us for you to constantly keep asking when you are going to make bank. Listen you are not. I hope this clears this up for you.


over 2 years ago

I need to place my father in a nice home. Please send me more information about your facility.


almost 3 years ago

Hello Anonymous, Thank you very much for your question. Unfortunately, we are unable to diagnose medical problems for our site members, or provide medical guidance online. While members of our community may respond to your question, we recommend that you contact a doctor offline regarding this medical issue. Take care -- Emily | Community Manager


Anonymous said almost 3 years ago

My heart ejection is 31 is that a healthy heart or will it increase & get better in the long run if taking good medical attention??


over 3 years ago

Hi LJP326, Thanks for your question! If you'd like to post a question to our Ask & Answer section located, here: ( http://www.caring.com/ask ). Good luck with your mother and take care -- Emily | Community Manager


over 3 years ago

My 99 year old mother lives in Florida by herself. She does pretty well despite Macula Degeneration. She goes out with a caregiver to shop, dr appointments, etc. She takes lots of vitamins and 2 prescribed medicines. Her house is clean but some clutter because she sleeps all day in the chair. She is afraid to be alone and wants to move back to NY. She has no assets and is on the cusp of Medicaid, i.e., her monthly income is just a little over the limits. How can I look into an assisted living facility and get her on Medicaid. She is considered legally blind 20/200.


Anonymous said over 3 years ago

@Finding Assisted Liv . . . My loved one is on Medicaid Star Plus program in TX which includes a long term ins. This long term ins through Medicaid is what is paying all but $600/mo of her rent assisted living. Check with your state. Also, look online for Family Caregivers Forum thru NFCA. These caregivers are a wealth of information.


over 3 years ago

I know that Medicare will not help me financially for assisted living but MEDICAID might.


Anonymous said over 3 years ago

My sisterinlaw thinks that when her husband dies, she can just move into assisted living and Medicare would pay for it. I said no and she said I was mistaken. She has no disabilities and just intends to sell her house and live on Medicare. I'm glad you answered my question for me.


over 3 years ago

My mom live on SS only.I'm trying right now getting her on long Term Care just waitting 4 man 2 call 2 come see my mom.That will be 1 down next is Va Aid.u can get it if your husband was in the War or u can get it if u were in the War.If u have your military records you're all set.Go 2 va office and start the ball rolling.Some say it just took weeks other have said it take months.But that extra1,000 something will help if you're trying 2 get into alf like i'm trying 4 my mom


over 3 years ago

Hey azk86314, One great place you can start your search is our local page of assisted living in Arizona: http://www.caring.com/local/assisted-living-facilities-in-arizona. If you'd like to refine your search you can type in your city, state, and zip to get results closer to you. Good luck with your search! -- Emily | Community Manager


over 3 years ago

does anyone know where i can find assitted living place that takes long term care&medicare? I haven't found 1 yet in Arizona plz let me know if someone know where i can look for 1.Most are private pay but they take va-aid


over 3 years ago

The way the article is titled, it leads you to believe that Medicare covers more than home health services in an AL.


Anonymous said over 3 years ago

Living with dementia is hard, mainly it sucks. It is still better than having your parent in a "facility" because they definitely do not care like you do. Not even a hug! If at all possible keep'em home. God gives grace.


over 3 years ago

My wife has Parkinsons and Fronto-temporal dementia. She still has some cognition.She in an excellent Assisted living residence in Sunnyvale. We have the need to move closer to relatives. I hope you can help. Thanks


over 3 years ago

I am having problems with mobility and some daily things are difficult for me to do where I am staying now. In a facilty that does not provide personal attention when needed. So I am thinking of moving to an assisted living facilty where I can get some help when needed such as bathing, dressoing and light house keeping. As personal attendents are not covered any more and my income is low I don't know if I can afford an assisted living place.or not. Also I am very independent but have muktiple health problems that have become more pronlematic over the last few years. I have all myown furniture and possesions and live in an apartment which is small but practical. And I also have a person to come in twice a month to help with the more difficult chores. However, I have fallen amjy many times in the last 5 years and safety is a concern here. The oher reisdents cannot help and neither can the employees due to liability. I have not wanted to move again but the last time I fell I was amulanced to the hospital and had a real scare as I am on a blood thinner and when I banged my head the blood was pouring out of me. Luckily my helper was due and she clled the EMT's and I went to the hoslital where they took good care of my injuries. My son and daughters are worried that I don't have any immediate help when I fall as no one here is going to help me. For wxample, some folks who have fallen were not checked and have been lying on the floor for quite a few hours. or it could be days. So as far as an assisted living facility I would get more help when needed and still have my independence. I still drive and shop and do light cleaing and the usual daily tasks. But I don't feel safe here any longer. Thank you, Shadowdancer_ap


over 3 years ago

I have been doing home management services which has mainly consisted of cleaning houses, but am contemplating an adult day care in my home and am wondering if there is a need for this in my area, which is in Todd County near Browerville. If your parent can get around but you do not feel good about leaving them home every day, all day by themselves, I would like to visit with you. Parent living with you and you need a break, contact me. Farming and need to be out in the field, contact me.


over 3 years ago

It would have been helpful to talk about medicaid


almost 4 years ago

Distinguishing needs of each type facility.


almost 4 years ago

I will appreciate for my requirements response,Thanks


almost 4 years ago

Could I get a house for living as I am a patient for colon cancer,and due to the radiation in 2002 now my hip has been side effect and very severe pain and has been advised for total hip replacement. Will my medicare could be helpful for such rents etc I would prefer good resident around Glendora Area CA 91741.Thanks Roshanali


almost 4 years ago

I am having a hard tim trying to find a facility for my father-in-law. the one that I want, not sure the money will last. despite the fact that they are full up. He is going to the bathroom not in the bathroom, I have 24hr care for him, which is killing us, its so expensive. I feel so overwhelmed even though there are so many sites to look at, my head is spinning. OMG I just read anonymous! forget it, I'm ok.


almost 4 years ago

To justaguyinla, Have you considered retiring abroad? Maybe, just maybe, your SS checks can pay for your living expenses if you were to live in a small town, for example, in the Philippines. How about you research available information on this option? I heard that Dumaguete City which is a college town in the southern province of Negros Oriental is a great place to live in for an expatriate. God bless.


about 4 years ago

What time of insurance would pay for my 81 year old mother who is in the beginning stages of dementia? She has low income assistance and I would like her to be in a nice place. Any suggestions


about 4 years ago

My mother has been gone a number of years now. She always said she dreaded most "loosing her mind (Alzheimer's)" and she would find someway to not live with it. She went through many periods of up and down, hated me for "doing this to her" - putting her in a home with care. Thank God she didn't really know what was happening - she was diagnosed with Alzheimer's, ran out of her savings and was on Medicaid and Medicare, and stayed in the home until she died 5 years later of pneumonia (what a blessing). She was well cared for ( for the most part), I visited three afternoons and several evenings, went for walks (when able), had our dog visit one or two times a week, kept a small garden outside her patio door (sometimes there weredaisies in the snow, roses blooming in the spring, and anything pink anytime-silk flowers were great in our garden any season). Her adult grandchildren (one from Kansas City, the other from Omaha) at least 4 times a year and she loved it! Friends from church and the community visited occasionally too. She was physically cared for, had visitors other than me, enjoyed some activities, and seemed to have forgotten how angry she was with me most times (could be diverted fairly easily), and always appeared to be clean, dry and well fed when I visited. She love old movies ( I gave a library of Oldies but Goodies VCRs to the activities director after mom died for use with the other residents). The animals, the old movies and helping to make snacks were all good diversions.


about 4 years ago

Information on what medicare will and won't cover in assisted living for the elderly. Now I need to know what insurances do cover partially or fully cost of assisted living. So, it's a start, I'll keep searching for more information on coverage. Thanks for this information.


about 4 years ago

When people get old, we send them to a nursing home for professional care and comfort.A nursing home is a long-term care facility licensed by the state that offers 24-hour room and board and health care services, including basic and skilled nursing care, rehabilitation, and a full range of other therapies, treatments, and programs. People who live in nursing homes are referred to as residents.Medicare covers the cost of some nursing home services, such as skilled nursing or rehabilitative care. This payment may be activated when the nursing home care is provided after a Medicare qualifying stay in the hospital for at least three days. http://www.nursinghomecenters.org/


about 4 years ago

what must i do to get the va to help pay for assisted living for my father. he's a registered vet, he lives on only his social security check - nothing else.he's currently in a nursing home - all the docs have recommended assisted living as the best choice for him.


Anonymous said about 4 years ago

ur not alone, im in a big house all alone, barely able to even walk, cant get help, just lay in bed day after day, pain unbearble, make it to drs, he is life saver, from broken neck, 4 surg, to breast cancer 4 dble mastescomies, to being literally chopped in half getting staph and mrsa, should have died then, but now broke hip, since 08, body is 42 yrs old, but feels like 142, yet i fight for one thing, my children, grown and barely see them, yet i want to see their future, since mine was robbed from me in ever angle, husband died first masectomy 22 hr surgury, same day, survive and fight, cant walk, crawl, god provides a way and washes those tears away! somehow someway i made it, for my babies, now 21 and 18! they are my heros, watching the mom that once was become nothing but a pillow on the bed at the old age of 42~ god bless! sometimes we forget to count our blessings, no matter how small, they still count! i might be just a pillow now and have NO LIFE, but i see that life in my girls eyes! thats love and life, and the best blessing ever!


over 4 years ago

That is so sad about that person, considering suicide. But, he should know that he is not alone in that thinking. But, he should never really attempt it--it would be a stigma on his familyk, let alone his life would be gone. He is a valuable person regardless of his circumstance and his life should never be thrown away. Many people are in his situation and desperately attempting to find a life away from loneliness. There has to be a solution somewhere. Tell him to take heart--he is not alone.


over 4 years ago

who do i call to get paid for caring for my disabled father


over 4 years ago

Wisdom? At this point I am losing hope of finding a decent assisted living place that I can afford. I lost all my savings in (stock) 2008 and I am now on Social Insecurity of $881.00 a month. My home for the last 39 years has been sold on a short sale as I can no longer pay an $1800.00 mortgage. I know I will have to share a room with another man and I guess that's ok. But I cannot live in depressing areas. It shames me as a retired psychologist to say that I'm considering suicide.


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