Health Insurance & Long Term Care

Unfortunately, health insurance does not cover long term care.

The reason health insurance does not pay for long term care is because health insurance pays to cure us (skilled care) with care provided by someone with a license: physicians, nurses, physical therapists, respiratory therapists, x-ray technicians and pharmacists. Since most long term care is unskilled care or custodial care, health insurance does not cover it. The “exclusions” section in your health insurance policy contains the actual wording showing the policy does not cover long term care. Here are examples of actual wording from health insurance policies excluding long term care:

  • “Exclusions: Custodial care”
  • “Medical care not covered: Custodial Care or Rest Cures.”
  • “Exclusions: Custodial care, except for covered hospice care.”