Will Insurance Cover an Assisted Living Facility?

If you are tasked with handling the care of an elderly loved one in your family, like a parent or a grandparent, you might find yourself thinking about assisted living options if they are having accidents at home (especially if they live alone). You want your loved one to have the best care possible, but if you or someone else can’t be around to check on them every little while, you might find yourself worrying more than anything else.

You could always look at your local assisted living facility moorhead options, but these facilities can cost a good bit of money per month, and you may not be able to find the funds to cover it. What about your loved one’s insurance? Is it possible that it will cover assisted living facilities?

assisted living facility moorhead

What Covers Assisted Living?

You’re probably familiar with a couple of the biggest insurance providers for seniors, those being Medicare and Medicaid. Make sure you know what type of coverage they have, as it is relevant here.

When it comes to assisted living facilities:

·    Medicare typically won’t cover a stay in assisted living facilities or retirement communities. Usually, Medicare would only cover shorter stays in nursing rehabilitation. Medicare does often cover home health, though, which is where a home health nurse would go to your elderly loved one’s home to check on them and help them with certain tasks.

·    Medicaid, on the other hand, does cover many costs associated with assisted living, but generally won’t pay directly for their stay in the facility. They will cover things such as nursing care, any needed medical examinations, and more. It is important to get in touch with Medicaid to make sure your loved one qualifies, though, as not all Medicaid patients will be eligible for the same benefits.

Deciding on assisted living for your elderly loved one is a large personal and financial decision, so make sure you have all the facts and have done all the research you can for your loved one specifically, as things could be different for every single patient.