Best Assisted Living Facilities That Accept Medicare in 2021

Assisted living facilities that accept Medicare are highly sought after by seniors, but Medicare doesn’t cover very much in terms of long-term care. However, there are plenty of options for low-income assisted living facilities. You can combine other payment options and Medicare coverage for other health care needs to save as much money as possible on your senior health care needs.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 3, 2021

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The Rundown

  • Medicare and Medicaid don’t cover extended stays in assisted living facilities
  • Medicare does cover many other health services seniors rely on, such as diabetes care and diagnostic exams
  • With an average cost of $51,600 a year, seniors should research all their options to pay for their assisted living needs

Assisted living facilities are for senior citizens that need help in their daily lives but not so much that they need a nursing home. These facilities usually house between 20 and 120 people and offer different levels of care.

American seniors are eligible for Medicare health insurance once they turn 65. However, lengthy stays at an assisted living facility can be a little tricky when it comes to Medicare. Some seniors may decide that alternative methods of payment better serve their needs.

If you need to find assisted living facilities that accept Medicare, the first step in your journey should be to look at Medicare quotes. If you’re ready to begin, enter your ZIP code into our free tool above to get started.

Where are assisted living facilities that accept Medicare near me?

Unfortunately, Orignal Medicare does not cover much in the way of assisted living.

Medicare covers short stays in hospitals or recovery facilities after an illness, injury, or surgery. The first 20 days spent in recovery care are 100% covered, and Medicare will pay for about 80% of the cost for the next 80 days.

That’s where Medicare coverage ends. It does not cover long-term stays in assisted living communities.

While you may not have all of your assisted living facility needs met by Medicare, you are covered for a host of other health care services that seniors commonly need. These services include:

  • Emergency care
  • Diabetes care
  • Limited medical supplies
  • Transplant surgery
  • Treatment for macular degeneration

If Medicare won’t cover me, are there assisted living facilities that accept Medicaid near me?

Unfortunately, the answer is no. Just like Medicare, Medicaid doesn’t cover assisted living communities. It does cover the following services:

  • Nursing care
  • Medication management
  • Case management
  • Physical and mental health assessments
  • Diagnostic exams

Sometimes, an assisted living facility can work with Medicare or Medicaid to get specific services covered. If you want to see rates from assisted living facilities that accept Medicare, you should explore your options and compare facilities online.

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What is the difference between assisted living and nursing homes?

As stated before, assisted living facilities are for senior citizens that need extra help throughout the day but are mostly independent. Seniors at assisted living facilities usually live in an apartment by themselves and share common areas.

Assisted living facilities usually have different levels of care, starting with basic services at the cheaper end and more inclusive services as the price goes up.

Assisted living facilities are unique, but they tend to offer the following:

  • Personal care help
  • Medication assistance
  • 24-hour supervision
  • Housekeeping and laundry
  • Security with special training concerning seniors
  • Meal services
  • A calendar of social and recreational events

Nursing homes, on the other hand, offer more intensive care. While assisted living focuses on making life safer and more comfortable for seniors, nursing homes focus on medical conditions.

Services a nursing home offers include:

  • 24-hour supervision
  • Meal services
  • Nursing care
  • Personal assistance with daily activities
  • Rehabilitation services

Some patients are sent to nursing homes for their recovery period after an illness or injury, and Medicare would cover that. However, most nursing home residents are there long-term because they have ongoing medical needs.

How to Get Quotes From Assisted Living Facilities That Accept Medicare

Finding the best assisted living facility is vital for the health and happiness of seniors who need a little extra help during their day.

If you’re ready to find assisted living facilities that accept Medicare and see what Medicare quotes may look like for you, enter your ZIP code into our free tool below today.

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