How families pay for senior care
Most families combine several ways to pay for senior care. This guide explains what Medicare, Medicaid and veterans benefits can and cannot cover, and where to get free help.
Last reviewed October 27, 2026
General information only. This guide is not medical, legal or financial advice. Talk with a physician, and with an elder-law or financial professional where money or legal papers are involved, about your own situation.
Medicare
Medicare is health insurance. It can cover a limited skilled nursing stay after a qualifying hospital stay, home health care for people who are homebound and need skilled care, and hospice. It doesn't pay for long-term care when help with daily tasks is the only care needed.
Medicaid
Medicaid can pay for nursing home care, and in many states for care at home or in the community, for people who meet their state's income, asset and care-need rules. Rules differ from state to state.
Veterans benefits
Veterans and some surviving spouses may be able to get VA long-term care services or an added monthly payment, called Aid and Attendance, on top of a VA pension. The VA decides who qualifies.
Private pay and long-term care insurance
Many families pay at least part of the cost themselves, from savings, income or a long-term care insurance policy if the person has one. If there is a policy, read what it covers and how to start a claim.
Where to get free help
Benefit rules are detailed and change. Free counseling can help you understand them before you sign anything.
- SHIP counselors for Medicare questions
- Your state Medicaid agency for Medicaid rules
- An accredited VA representative for veterans benefits
- The Eldercare Locator for local aging services
Frequently asked questions
Generally no. Medicare doesn't pay for long-term care when that is the only care needed, such as help with bathing and dressing. It can cover limited skilled care, home health and hospice when the person meets the rules.
Each state runs its own Medicaid program and sets its own rules within federal limits. Your state Medicaid agency, or a free benefits counselor, can tell you how the rules apply.
State Health Insurance Assistance Programs (SHIP) give free, unbiased help with Medicare questions, and the Eldercare Locator connects you with local aging services.
Sources
SeniorLeaf is not affiliated with or endorsed by the organizations listed here.