Many retirees and aging seniors mistakenly believe that Medicare covers long-term care. But, it does not.
Assuming you are in line for “free” assistance related to medical & health concerns can have truly dire consequences. Those seniors who have counted on Medicare to pay for assisted living care are vulnerable to being financially and emotionally devastated when care needs arise.
Medicare enrollees should understand that Medicare will not help whatsoever if long-term care is required at a nursing home, assisted living community, or home care services.
The government program that can pay for long-term care in some circumstances is Medicaid rather than Medicare. (In Massachusetts, this program is known as MassHealth.) However, Medicaid is only available to seniors who have already spent nearly all their assets on care, and is generally considered a last resort option.