At Keepsake Kottage Home Plus, we help Wichita families understand their options and the necessary documentation for assisted living coverage.
Standard Insurance & Medicare
Health insurance and Medicare generally do not cover the costs of assisted living housing or custodial care. Medicare may cover short-term medical services through home health or rehab, but not assisted living room and board.
Long-Term Care Insurance
LTC insurance policies are designed for this purpose. They may reimburse for assisted living once “benefit triggers” are met, such as requiring help with two or more Activities of Daily Living or a cognitive impairment diagnosis.
Veterans’ Benefits
Eligible veterans and surviving spouses may qualify for programs that help offset the costs of assisted living. Documentation such as discharge papers (DD-214) is required.
Medicaid Options
Kansas Medicaid may cover certain assisted living services through waiver programs, though room and board are usually excluded. Eligibility is income- and asset-based.
Private Pay & Other Sources
Many families combine Social Security, retirement savings, pensions, and family contributions to cover costs. Insurance and benefits programs can supplement these funds.
FAQs: Insurance & Assisted Living
Does health insurance cover assisted living?
No. Standard health insurance does not cover assisted living housing or custodial care.
Does Medicare pay for assisted living?
No. Medicare does not cover assisted living room and board, but may pay for some medical services through home health or rehab.
What type of insurance is best for assisted living?
Long-term care insurance is designed to help with assisted living costs if eligibility criteria are met.
Disclaimer
This article is informational only and not financial, legal, or medical advice. Insurance coverage varies by provider and policy. Always review your plan documents and confirm details with a licensed professional.
