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Will Medicare cover assisted living facility costs?

5 answers | Last updated: Mar 11, 2015
Linda asked...

Will Medicare cover assisted living facility costs?


Caring.com User - Joseph L.  Matthews
Caring.com Expert
Joseph L. Matthews is a Caring.com Expert, an attorney, and the author of Long-Term Care: How to Plan & Pay for It and...
86% helpful
Joseph L. Matthews answered...

The only non-hospital inpatient care Medicarepays for is a very limited amount of skilled nursing facility care while recovering from an illness or injury following a hospital stay. It See also:
Does Medicare pay for assisted living care?
doesn't cover any of the cost of residence in an assisted living facility.

In some states, though, Medicaid, can pay for assisted living in certain participating facilities. If the state Medicaid program where your mother lives does cover some assisted living, then the question is whether the facility where your mother lives is approved for Medicaid payment and participates in Medicaid. The easiest way to find out is to speak with the administrator at the assisted living facility. If the facility does participate in Medicaid, your next step is to see if your mother qualifies for Medicaid, which she can do only if she has very low income and assets. To see about the Medicaid eligibility rules for assisted living in her state, you can go to the Medicaid information page at the federal government's Govbenefits web site.

If your mother's state Medicaid program covers assisted living and your mother could qualify for it, but the facility where she now lives doesn't participate in the program, you might want to consider another facility that does. Medicaid can pay the full cost of assisted living, and over the years that could amount to a lot of money.


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68% helpful
Fiona answered...
In a word, NO. When my Father was dying, and under hospice care, I moved both parents into an assisted living place close to my home, since I have total responsibility for their care. Mom has early dementia. The only things covered by Medicare were the hospice-charges for my Dad. Everything else, including down to the diapers he needed, and the meals he had brought up, when he was too weak to go into the dining room to eat, was private-pay only. In fact, I have not been able to find ANY assisted living places that take Medicaid, because they are all private pay.

71% helpful
Unknown answered...

Medicaid in an assisted living facility is always provided through and independant company such as Evercare of American Eldercare