Best Memory Care Facilities That Accept Medicare in 2022

There are memory care facilities that accept Medicare, but your care will need to be pre-approved by your general physician. Medicare will not cover long-term care in a memory care facility or a nursing home, but Medicare will cover many memory care services, including inpatient care and temporary nursing home care for up to 100 days.

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UPDATED: Jun 21, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 21, 2022Fact Checked

The Rundown

  • Medicare will cover certain treatments associated with a memory care facility
  • Medicare will not cover long-term treatment in a memory care facility
  • Original Medicare and Medicare Advantage plans may vary in what they cover and how much you’ll pay

If you or a loved one are on Medicare, you may wonder whether Medicare covers memory care facilities.

There are a lot of memory care facilities that accept Medicare. In fact, memory care facilities that accept Medicaid and Medicare are quite common.

With Medicare covering certain costs associated with memory care, you may be wondering, “will Medicare cover memory care facilities near me?”

With Original Medicare, you will have 80% of your fees covered with Medicare Plan B. This is after you’ve met your Plan B deductible.

With Medicare Advantage, your coverages and costs may vary. Since Medicare Advantage companies that cover memory care facilities are private entities, you may find that some cost a lot more or a lot less than others.

You can compare Medicare insurance rates that cover memory care facilities and find free insurance quotes online to see which companies offer the best prices.

If you are looking for affordable Medicare insurance that covers memory care facilities, use our free tool above to compare rates and find your best options.

Does Medicare cover memory care facilities?

Understanding the effects of memory loss can be quite tricky. If you or someone you know is struggling with memory loss, you can review a guide to memory loss to help you better understand the potential impact.

If you are struggling with memory loss and need treatment, Medicare will cover some of the aspects of memory loss care through a memory care facility.

If your doctor states that your participation in treatment through a memory care facility is a medical necessity, you may receive coverage for the following:

  • Inpatient care in a hospital
  • Semi-private rooms
  • General nursing care
  • Drugs
  • Hospital tools and supplies
  • Certain diagnostic tests
  • Hospice care (up to six months)
  • Nursing home care (up to 100 days)

Memory care facilities are anywhere from 20%-50% more expensive than standard assisted living facilities, so it’s important for you to make sure your time in a memory care facility will be covered.

If you’re interested in comparing Medicare insurance quotes that cover memory care facilities, you can go online and evaluate multiple companies at once to see what options would work best for you.

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Will Medicare cover nursing homes with memory care near me?

Because nursing homes are considered long-term care, Medicare will not cover your stay at a nursing home, even if it includes treatments with a memory care focus.

If you have Alzheimer’s or another memory care issue, you may be able to find treatment options within a nursing home that Medicare will cover. But your stay at a nursing home will be your financial responsibility.

What other than Medicare will help pay for memory care?

If you need extensive memory care or memory care in a long-term facility, you may need to consider additional options for help in paying for these services.

You may be able to get private insurance through a group plan if you’re retired. You can check to see what options you have and whether a private insurance plan would offer additional coverage.

There are also private organizations — like those devoted to helping individuals with Alzheimer’s — that have programs for some qualifying individuals.

Do some research online to see if you qualify for any services that would help you pay for memory care treatment.

You can use your personal savings or retirement to help pay for such treatment, but that’s something you’ll want to avoid if you can.

Go online and compare quotes for other health insurance plans if your Original Medicare coverage simply won’t cover what you need.

Before you buy Medicare Advantage insurance that covers memory care facilities, be sure to use our free quote tool below to compare rates and find what works best for you.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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 Laura Walker

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