Medicare doesn’t cover long-term care (also called
), if that's the only care you need. Most nursing home care is custodial care.
You pay 100% for non-covered services, including most long-term care.
Long-term care is a range of services and support for your personal care needs. Most long-term care isn't medical care. Instead, most long-term care is help with basic personal tasks of everyday life like bathing, dressing, and using the bathroom, sometimes called "activities of daily living."