Care Services, Explained

Home Care

In-home support with activities of daily living: bathing, dressing, meals, mobility, companionship. Usually private-pay; some long-term care policies cover it.

Assisted Living

Residential setting with meals, housekeeping, and help as needed. Not the same as a nursing home.

Memory Care

Secure assisted living specialized for dementia. Staff training and safety design are key.

Skilled Nursing

24/7 nursing and rehab. Short-term stays may be covered under Medicare after a qualifying hospital stay.

Paying for Care (Quick Notes)

• Medicare: health/rehab, not room & board in assisted living.
• Medicaid: varies by state; some waiver programs cover home/community services.
• LTC Insurance: may cover in-home or facility care per policy terms.