How Much does Medicare Actually Pay?
Medicare does not cover custodial care. Custodial care is care that helps you with usual daily activities like walking, eating, bathing, dressing, toileting, transferring.

Medicare does pay for short term skilled nursing care up to 100 days, but only after at least 3 days immediately prior to entering a nursing facility. Skilled nursing care is not the same as long term care. Skilled care is health care given when you need skilled nursing or rehabilitation staff to manage, observe, and evaluate your care. Examples of skilled care include changing sterile dressing and physical therapy. It is given in a SNF (Skilled Nursing Facility). Care that can be given by non-professional staff is not considered skilled care.

How much is covered by Medicare?

For DaysMedicare Pays for covered ServicesYou Pay for covered Services
1 - 20Full CostNothing
21 - 100All but a Daily Co-payment*A Daily Co-payment*
Beyond 100NothingFull Cost

* Note: The co-payment is up to $105.00 per day in the year 2003. This can change each year.

Medicare Publications: Medicare Coverage of Skilled Nursing Facility Care.

Medicare & You 2003

Summary of Medicare benefits, rights and obligations, and answers to the most frequently asked questions about Medicare. (88 pages)

View Adobe PDF (size: 550 KB)
Revised 10/1/2002

Convert Adobe PDF to HTML

Back to the LTC Center
Annuity Learning Center | Current Annuity Rates | Personalized Quote | CDs vs Annuities | Free Annuity Kit | Dear CD Holder | IRA Information | 401K Transfers | Long Term Care | Life Insurance | Contact Us | Home