Does Medicare or Insurance Cover Assisted Living or Memory Care?
It’s one of the most common—and most confusing—questions we hear: “Will Medicare or my insurance help pay for assisted living or memory care?” The short answer is, unfortunately, not usually. But don’t lose hope. There are paths forward, and we’re here to walk them with you.
Understanding What Medicare Covers
Medicare is a federal program primarily focused on medical care. It typically covers hospital stays, short-term rehabilitation, and doctor visits. It does not pay for most long-term care services like help with bathing, dressing, medication reminders, or meal preparation—the core services in assisted living or memory care.
What About Health Insurance?
Most private health insurance plans follow Medicare’s lead. They don’t usually cover custodial care, which includes non-medical support for daily living tasks. However, they may cover medical services your loved one receives while living in a senior care community.
Long-Term Care Insurance: A Potential Resource
If your loved one has a long-term care insurance policy, this could be a game-changer. These policies can help cover costs for assisted living, memory care, or even in-home care. Coverage amounts and requirements vary widely by policy, so it’s important to review your plan—and we can help you interpret it.
Medicaid Waivers in Colorado
For families with limited income and assets, Medicaid might help. Colorado offers waiver programs that cover some assisted living and memory care services for eligible individuals. These programs often have waiting lists and specific eligibility requirements, but they can provide significant financial relief.
How Harmony Helps You Navigate It All
This is where families often feel stuck: trying to make a decision with incomplete or confusing financial information. At Harmony Senior Referrals, we don’t just give you a list of communities—we help you build a plan.We start by listening to your story. We’ll ask about your loved one’s care needs, your financial situation, and any benefits or insurance they may already have. Then we’ll identify what resources may be available to you, from long-term care insurance to Medicaid options.
Next, we connect you with communities that not only match your care and location needs but also fit within your financial picture. And if you’re unsure about your insurance coverage or need help applying for assistance, we’re here to support you—step by step.
Peace of Mind Is Possible
Financial questions can feel like roadblocks, but they don’t have to stop your journey. With the right information and compassionate guidance, you can find a solution that honors your loved one’s needs and your family’s peace of mind.We’ve helped hundreds of families across Colorado find answers—and we’re here to help you, too. Let’s take the next step together.
Speak with a local senior care specialist today.
