What Does Medicare Cover for Assisted Living?
Medicare does not pay for room and board in assisted living, but it may cover specific medical services received while living there. Understanding this distinction helps Wichita families plan realistic budgets and avoid surprises when transitioning to assisted living.
At Keepsake Kottage Home Plus, we help families coordinate Medicare benefits alongside other financial resources to make care more affordable.
What Medicare Does Cover
Medicare focuses on medical services, not housing or custodial care. It may cover:
- Physician visits and outpatient medical care
- Short-term skilled nursing or rehabilitation after hospitalization
- Home health services, if medically necessary
- Hospice care for end-of-life support
- Durable medical equipment (DME) such as walkers or wheelchairs
What Medicare Does Not Cover
Medicare does not cover:
- Room, board, or rent at assisted living communities
- Personal care or help with daily activities (bathing, dressing, eating)
- Housekeeping, laundry, or meal services
- Long-term custodial care
Families often supplement Medicare with other programs or personal funds to cover these expenses.
Alternatives to Cover Assisted Living Costs
- Long-Term Care Insurance: May reimburse for assisted living based on eligibility and policy design.
- Veterans’ Benefits: The Aid & Attendance program may help cover personal care expenses.
- Medicaid Waivers: Some programs in Kansas may offset limited services for qualified low-income seniors.
- Private Pay: Combining savings, Social Security, and family contributions.
How Wichita Families Can Plan Ahead
- Review your or your loved one’s Medicare plan annually to understand benefits.
- Meet with a financial advisor or social worker who specializes in senior care funding.
- Request written estimates from assisted living communities outlining included and excluded costs.
- Ask about supplemental insurance and long-term care policy options.
FAQs: Medicare & Assisted Living Coverage
Does Medicare pay for assisted living rent?
No. Medicare does not cover room and board in assisted living or similar residential care settings.
Will Medicare pay for home health in assisted living?
Yes, if the care is medically necessary and ordered by a physician. Services are billed directly through Medicare.
Can Medicare Part D help with costs?
Yes. Medicare Part D helps pay for prescription medications, even for those living in assisted living.
What if more care is needed?
If medical needs increase, Medicare may cover a short stay in a skilled nursing facility after hospitalization, but not long-term residency.
Disclaimer
This article is informational only and not financial, legal, or medical advice. Medicare coverage rules change over time. Always verify details through Medicare.gov and licensed professionals.
