Medicare Supplement does not cover long-term care (custodial care). Medicare Supplement covers Medicare cost-sharing for skilled nursing facility care (days 21-100), but does not cover custodial care in a nursing home or assisted living facility. Long-term care insurance is separate from Medicare Supplement.
Key Points
- Medicare Supplement does not cover long-term care (custodial care)
- Medicare Supplement covers SNF cost-sharing (days 21-100)
- Long-term care: custodial care in nursing home or assisted living — not covered by Medicare or Medicare Supplement
- Long-term care insurance: separate product that covers custodial care
- An independent agent can help you evaluate long-term care insurance options