Memory care services can be expensive. If you have a loved one with Alzheimer’s or dementia, you’re probably wondering if Medicare covers the cost. In the U.S., over 6.7 million people aged 65 and older live with Alzheimer’s disease. Many families face difficult decisions when it comes to finding affordable care.
This article explains what Medicare covers and doesn’t cover for memory care.
Does Medicare Cover Memory Care Services?
Memory care services provide specialized care for people with memory-related conditions like Alzheimer’s or dementia. This type of care focuses on creating a safe environment, offering structured routines, and helping with daily activities. But how much does Medicare help with these costs? Let’s break it down.
What Medicare Covers for Memory Care
Medicare provides some help, but its coverage is limited for long-term memory care. Here’s what it does cover:
Hospital and Medical Costs
Medicare Part A covers hospital stays for complications related to your loved one’s condition. For example, if they have a fall or severe confusion requiring hospitalization, Medicare can help. It also covers short-term stays in skilled nursing facilities, but only if specific requirements are met.
Skilled nursing care is covered for up to 100 days after a hospital stay of at least three days. However, this doesn’t include ongoing memory care or personal assistance.
Doctor Visits and Mental Health Services
Medicare Part B pays for outpatient services like doctor visits and therapy. Regular check-ups and mental health care are essential for people with dementia.
Medications
Medicare Part D helps with the cost of medications used to manage Alzheimer’s or dementia symptoms. This includes drugs that may slow the progression of the disease.
What Medicare Doesn’t Cover
Medicare does not cover the long-term costs of memory care. Families must pay out-of-pocket for memory care units.
According to a 2023 report, the average cost of memory care in the U.S. is $6,935 per month. That’s over $83,000 a year.
Other Ways to Pay for Memory Care
Beyond Medicare, here are other options:
- Medicaid: This can cover more costs if your loved one qualifies based on income and state rules.
- Long-Term Care Insurance: If they have a policy, it helps pay for memory care.
- Private Funds: Families often use savings or assets to cover costs.
Final Thoughts
Caring for a loved one with dementia can feel overwhelming. Understanding what Medicare covers—and what it doesn’t—can help you plan. While Medicare offers limited help, exploring other financial resources can make memory care more affordable.
contact local eldercare organizations or a Medicare expert if you’re unsure where to start.
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