Long term care is part of what elderly Americans need as they age. There are many misconceptions about what part of their health care benefits may pay for those costs. Here are some common misconceptions about long term care and who pays the costs for it.

Medicare Pays for Long Term Care

Many people assume that since Medicare is the primary insurer of most seniors that it is what pays for long term care. This is not true. There are no Medicare benefits for long term care even for conditions like Alzheimer’s or dementia.

All Eldercare Costs are the Same

Many people assume that once assisted living or long term care is needed that the costs are the same across the board for all of the services that are needed. This is not true. There are several levels of care that can increase the costs. Also costs can vary greatly from facility to facility. This is due to several factors including demand, quality of care provided and state benefits provided to that facility. Carefully investigate the costs associated with the care facility you are thinking of using so you are not surprised.

The Affordable Care Act Provides Benefits

Many people assume that with the passage of the Affordable Care Act that long term care and other medical cost issues for seniors was solved. Truth is the ACA provides little to help long term elder care.

Contact Stano Law group for legal assistance with Medicare or Medicaid benefits.