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Maryland Health Care Commission

Consumer Guide to Long Term Care

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Planning for Long-Term Care

It is estimated that about 70% of individuals over age 65 will require at least one type of LTC during their lifetime. Many people still believe that Medicare or private health insurance will cover long term care services if they need them; however, with the exception of brief stays in nursing homes following a hospital stay; Medicare does not cover long term care. Private health insurance will cover LTC if it is a specific LTC policy.

  • Planning allows you to identify the types of care available in your community so you will know what your options are and their cost
  • Planning allows you to choose the best way for you to finance the care you need
  • Planning ahead also might lessen the future emotional and financial stress on you and your family.

The U.S. Department of Health and Human Services sponsors a web site that explains the importance of planning ahead, discusses factors such as housing and legal issues to weigh when planning for long-term care, and provides tools that you can use in your planning.

Visit the website at:

Services Search

Use Services Search to locate LTC Providers and obtain detailed information on:

Consumer Ratings