October 5, 2006 5:59 AM
Medicare Does Not Offer Long-Term Care Benefit
Medicare supplement policies are sold by private insurance companies and are offered to fill some of the gaps in Medicare coverage. Hospital deductibles and excess physicians' charges are routinely covered, but these policies do not cover long-term care expenses.
Standardized Medicare supplement policies, Plans D, G, I and J, do contain an at-home recovery benefit that may pay up to $1,600 per year but only for short-term, at-home assistance with activities of daily living, for an illness, injury or surgery during a limited recovery period.
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