The Costs of Long-Term Care

Last updated: October 19, 2015

Its Costs and Who Pays for It

How Much Does Long-Term Care Cost?

The cost of long-term care varies depending upon the type of services provided.

  • Skilled services, such as nursing or therapy, will cost more than support services (homemaker help or custodial care.)

  • Generally, home care services can be provided at a lower cost than in a nursing facility.

  • There is a wide variety of services now available and the costs vary from area to area. Check in your local area for the kinds of services offered and their costs.

  • As you plan, it’s also important to keep in mind that these costs will increase before you actually have a need for the services.

    • Count on an annual inflation factor for health care services.

How Is Long-Term Care Paid for?

There are three basic ways to pay for long-term care in Kansas:

Medicare may cover some long-term care costs, but that coverage is limited in nature and generally approved for short periods of time. The balance is paid by long-term care insurance.

Medicare: After a three-day minimum inpatient hospital stay for an illness or injury, Medicare covers a semiprivate room, meals, skilled nursing, rehabilitative services and supplies for up to 100 days in a benefit period.

  • To receive care in a skilled nursing facility, you must need skilled care. (For example: intravenous injections or physical therapy.)

  • Medicare doesn’t cover long-term care or custodial care in this setting. It also doesn’t cover custodial care if it is the only kind of care you need.

Medicaid: To receive Medicaid assistance, you must meet federal poverty guidelines for income and assets. 

  • You may have to “spend down”, that means you use up most of your assets on health care. When you have spent down your assets, you may then be eligible for Medicaid. 
  • Many people begin paying for nursing home care out of their own pockets and spend down their financial resources until they become eligible for Medicaid. They then turn to Medicaid to pay part of or all of their nursing home expenses.

For More Information

Click here to discover more about the costs and ways to pay for them.

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