Does Medicare Pay for Assisted Living Facilities?
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Cost
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During the first 20 days of qualifying skilled care coverage or rehabilitation, Medicare pays the entire amount. After 20 days, the resident is responsible for up to $128 per day for a maximum of 100 days. After 100 days of continuous care, the resident is responsible for the full cost. These maximums are per benefit period.
Considerations
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According to Medicare guidelines, a new skilled nursing benefit period begins after a patient has a "break" of at least 60 days from skilled care. However, to be eligible for assisted living during the new benefit period, the patient still needs a minimum three-day hospital stay.
Alternate Payment Options
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Individuals in assisted living may consider private long-term insurance for a monthly premium. Alternatively, the federal- and state-funded Medicaid program may help pay for assisted living costs. Medicaid eligibility depends on income and disability factors.
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