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Does Insurance Cover Assisted Living?

Mar 16

Does Insurance Cover Assisted Living? 

As we age, many of us will require assistance with daily living activities. Assisted living facilities provide the necessary support for seniors who need help with things like bathing, dressing, and medication management. 

However, the cost of assisted living can be high, leaving many families wondering if insurance covers the expenses. In this article, we’ll take a closer look at the question, “Does insurance cover assisted living?” and provide some answers to help you make an informed decision.

Types of Insurance That May Cover Assisted Living

There are several types of insurance that may cover assisted living expenses. Let’s take a closer look at each one:

Long-Term Care Insurance

Long-term care insurance is specifically designed to cover the cost of long-term care, including assisted living. It provides financial assistance to pay for the services needed to help seniors live independently for as long as possible. Some long-term care policies cover a specific dollar amount, while others have a set length of time for coverage.


Medicare is a federal health insurance program that provides coverage for people over the age of 65, as well as those with certain disabilities. While Medicare doesn’t typically cover the cost of assisted living, it may cover certain medical expenses related to the care provided in an assisted living facility.


Medicaid is a joint federal and state program that provides healthcare coverage to people with limited income and resources. While Medicaid doesn’t typically cover the cost of assisted living, it may cover certain services provided in an assisted living facility, such as medication management or personal care services.

What You Need to Know Before Choosing an Assisted Living Facility

If you’re considering an assisted living facility for yourself or a loved one, there are a few things you should keep in mind.


The cost of assisted living can vary widely depending on the location, the level of care needed, and the amenities offered. Before choosing a facility, make sure you understand the costs involved and what is covered by insurance.

Services Provided

Assisted living facilities offer different levels of care and services. Make sure the facility you choose offers the services that are needed and that the staff is qualified to provide them.


The location of the facility is important, especially if family members will be visiting frequently. Choose a location that is convenient and accessible.


Does insurance cover assisted living? The answer is, it depends. Long-term care insurance, Medicare, and Medicaid may provide some financial assistance, but it’s important to understand the costs involved and what is covered by insurance. When choosing an assisted living facility, consider the cost, services provided, and location to find the right fit for your needs. With the right information and

If you or a loved one are interested in learning more about our assisted living community and the many amenities and services we offer, don’t hesitate to contact us at 410-498-6090. Our Well Homed Assisted Living team is available to answer any questions you may have and schedule a tour of our community. 

We believe in providing a warm, welcoming environment that promotes independence and dignity for every resident, and we would love the opportunity to show you firsthand why so many individuals choose our community for their senior living needs. Call us today and take the first step towards a vibrant, fulfilling lifestyle.