Medicare is a U.S. federal program available to individuals over 65 years of age to help them meet their medical needs. Here is some basic information about what is covered under Medicare Parts A and B — as well as coverage for rehabilitation and skilled nursing facilities.
Medicare Part A helps cover your inpatient care in hospitals, skilled nursing and rehab facilities. It also covers hospice care and some home health care.
The program is premium-free if you meet certain conditions. Individuals who don’t qualify can still get coverage for a monthly premium.
Assisted living and custodial care — which helps you with daily activities like bathing, eating and walking — are not covered by Medicare. Private pay, Medicaid or long-term insurance can help cover these costs instead.
Medicare Part B requires a monthly premium and helps cover medical expenses like doctors’ services, outpatient hospital care, occupational and physical therapists and some home health care.
Medicare Health Plans (like an HMO) may include extra benefits such as dental care, prescription drugs and routine physical and vision services.
Updated: June 2018