| ||Public ||Private|
|Long-Term Care Service||Medicare||Medigap Insurance||Private Health Insurance|
|Overview||Limited coverage for nursing home care following a hospital stay and home health if you require a nurse or other skilled provider.||Insurance purchased to cover Medicare cost sharing.||Varies, but generally only covers services for a short time following a hospital stay, surgery or while recovering from an injury.|
|Nursing Home Care||Pays in full for days 1-20 if you are in a skilled nursing facility following a recent 3-day hospital stay. If your need for skilled care continues, it may pay for the difference between the total daily cost and your copayment of $137.50 per day for Days 21-100. After Day 100, it does not pay.||May cover the $137.50 per day copayment if your nursing home stay meets all other Medicare requirements.||Varies, but limited.|
|Assisted Living Facility (and similar facility options)||Does not pay.||Does not pay.||Does not pay.|
|Continuing Care Retirement Community||Does not pay.||Does not pay.||Does not pay.|
|Adult Day Services||Not covered.||Not covered.||Not covered.|
|Home Health and Personal Care||Limited to reasonable, necessary part-time or intermittent skilled nursing care and home health aide services; some therapies if a doctor orders them and a Medicare-certified home health agency provides them. |
Does not pay for ongoing personal care or only help with “activities of daily living” (also called “custodial care”), such as bathing, dressing, toilet use.
|Not covered under current policies. |
Some policies sold prior to 2009 offered an at-home recovery benefit that pays up to $1,600 per year for short-term at-home assistance with activities of daily living (such as bathing, dressing, toilet use) for those recovering from an illness, injury or surgery.
|Varies, but limited.|