Who Pays For Long-Term Care?

Nationally, individuals and their families pay more than half of all nursing home expenses out­of­pocket. Somewhat less than half are paid by state Medicaid programs. Medicaid, however, does not pay until the person has spent­down his/her money on medical expenses. Medicaid will pay for a person who has less than $1,230 in monthly income and less than $2,000 in countable resources. Medicare pays a small percentage. Medicare will pay for a limited number of days of nursing home residents who require and are placed in Skilled Nursing Facilities. Neither Medicare, Medicare supplement insurance, nor the health insurance provided by employers will pay for most long­term care expenses.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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