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Posted by LTC Staff
LTC Staff
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on Wednesday, 16 April 2014
in LTC Insurance

Will Medicare Supplement Insurance Pay for Long Term Care?

Medicare Supplement insurance (Medigap) is private insurance that helps pay for some of the gaps in Medicare coverage, such as hospital deductibles and excess physician charges above what Medicare approves.


Medicare supplement policies usually don’t cover long term care costs.

However, four Medicare supplement policies sold before June 1, 2010 – Plans D, G, I and J, did pay up to $1,600 per year for services to people recovering at home from an illness, injury or surgery. The D and G plans sold after June 1, 2010 no longer include the “At-Home Recovery” benefit. The I and J plans aren’t sold now but if you bought one of these plans before June 1, 2010, you could keep it. If you did and the plan has an “At-Home Recovery” benefit it will pay for short-term, at-home help with activities of daily living. However, before you can use this benefit, you must qualify for Medicare covered home health services.


Re-printed from “A Shopper’s Guide to Long Term Care Insurance.” - © 2013 National Association of Insurance Commissioners


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