In a word: no.
Medicare is – by design – “recovery care” insurance. So if you have a stroke or fall or some such, Medicare will pay for the care you need to recover from that. In brief this means Doc visits, hospital stays and rehab.
But if you have a long run of care (say a car accident where you are going to need multiple surgeries over a 1 to 2 year window) or need care for a condition from which you will not get better (say Dementia, or a 92 year old who falls and breaks a hip and never gets full recovery), then you will be in “long term care” and neither health insurance nor Medicare pays for that type of care.
So, to be clear, Medicare may pay for a short run of care in a skilled nursing unit – so long as THERAPY is happening there. Typically this is a rehab. It may also pay for a short run of home care again so long as THERAPY is part of the process. Once you get beyond that, however, Medicare will not pay for long term care or custodial care.
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