Medicare and long term care coverage

What does Medicare cover?

Medicare will pay the cost of some skilled care in an approved nursing home or in your home. The skilled nursing facility (SNF) benefit only covers you if a medical professional says you need daily skilled care after you have been in the hospital for at least three days and you are receiving that care in a nursing home that is a Medicare-certified skilled nursing facility. While Medicare may cover up to 100 days of skilled nursing home care per benefit period when these conditions are met; after 20 days $128 per day.

What does Medicare not cover?

  • Medicare's SNF benefit does not cover most nursing home care.
  • While many people would like to receive care in their own homes, Medicare does not cover homemaker services.
  • Medicare doesn't pay for home health aides to give you personal care unless you are homebound and are also getting skilled care such as nursing or therapy.

Covering the gap

Medicare may not be the appropriate solution when paying for long term care services. Long term care insurance can provide more choices and gives you the flexibility to meet your long term care needs. See how Genworth can provide a comprehensive long term care insurance policy.

Speak to an agent/producer at 1-866-469-7902 or request a free long term care consultation today.

*Individual stories and quotes are fictitious and are used for demonstrative purposes only.

1 Long Term Care Claims Experience Data for Genworth Life Insurance Company and affiliates - December 1974 through March 2014.

Long Term Care Insurance is underwritten by Genworth Life Insurance Company, Richmond, VA

This is a solicitation of insurance for policy form series 8000R1 and 8001R1. Policy form number may be followed by the state's two letter abbreviation, for example, 8000R1DE. Not all policies are available in all states. Details about the cost, benefits, limitations and exclusions of these long term care insurance policies will be provided to you by a licensed insurance agent/producer. When you respond, an insurance agent/producer will contact you.


I never thought I could afford insurance for long term care. But when I considered what funding care myself could cost, insurance was really the affordable, sensible approach.*

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Did you know?

Over 10 Billion: Total Claims paid by Genworth's long term care insurance business since 19741.

160222P 06/30/14