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En español | No, Medicare does not cover the cost of assisted living facilities or any other long-term residential care, such as nursing homes or memory care.
Medicare-covered health services provided to assisted living residents are covered, as they would be for any Medicare beneficiary in any living situation. But Medicare will not pay any of the costs of residency or of day-to-day custodial care, such as help with bathing, dressing and eating.
Long-term care services for short-term stays may be covered, but only under specific circumstances in facilities that provide skilled nursing care. That can include nursing homes.
If a doctor determines you need specialized nursing or rehabilitation after an inpatient hospital stay lasting at least three days, original Medicare may pay a portion of the cost for a stay of up to 100 days at a Medicare-care-certified skilled nursing facility.
That coverage kicks in only if you were formally admitted to a hospital for three days or more, not if you were there under observation. And it does not apply to assisted living facilities, which do not provide skilled nursing or intensive medical care.
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