Definition
In senior care, Long-term care insurance refers to private policy paying for care after you cannot do set ADLs.
Medicare, Medi-Cal, Medicare Advantage, and private plans apply different rules. Coverage often depends on whether care is skilled versus custodial, medical necessity, network status, and the plan year.
Before assuming a service is covered, review your Summary of Benefits, call Medicare or your plan, or speak with a SHIP counselor. Program rules and cost-sharing change frequently.