The below chart shows the most common types of insurance and the very limited long-term care coverage they provide.
|Long-term care Service||Medicare||Medigap Insurance||Private Health Insurance|
|Overview||Limited coverage for nursing home care following a hospital stay and home health if you require a nurse or other skilled provider||Insurance purchased to cover Medicare cost sharing||Varies, but generally only covers services for a short time following a hospital stay, surgery or while recovering from an injury|
|Nursing home care||Pays in full for days 1–20 if you are in a Skilled Nursing Facility following a recent 3-day hospital stayIf your need for skilled care continues, may pay for the difference between the total daily cost and your copayment of $137.50 per day for days 21-100. After day 100 does not pay||May cover the $137.50 per day copayment if your nursing home stay meets all other Medicare requirements||Varies, but limited|
|Assisted living facility (and similar facility options)||Does not pay||Does not pay||Does not pay|
|Continuing Care retirement community||Does not pay||Does not pay||Does not pay|
|Adult day services||Not covered||Not covered||Not covered|
|Home health and personal care||Limited to reasonable, necessary part-time or intermittent skilled nursing care and home health aide services, some therapies if a doctor orders them, and a Medicare-certified home health agency provides them.Does not pay for on-going personal care or only help with Activities of Daily Living (also called "custodial care")||Not covered under current policies.Some policies sold prior to 2009 offered an at-home recovery benefit that pays up to $1,600 per year for short-term at-home assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an illness, injury, or surgery||Varies, but limited|