{"id":5032,"date":"2022-11-18T07:00:00","date_gmt":"2022-11-18T13:00:00","guid":{"rendered":"https:\/\/civitasseniorl.wpenginepowered.com\/the-grand\/does-medicare-cover-memory-care\/"},"modified":"2026-04-05T20:37:13","modified_gmt":"2026-04-06T01:37:13","slug":"does-medicare-cover-memory-care","status":"publish","type":"post","link":"https:\/\/www.civitasseniorliving.com\/the-grand\/does-medicare-cover-memory-care\/","title":{"rendered":"Does Medicare Cover Memory Care?"},"content":{"rendered":"\t\t
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For seniors and their adult children, one of the most common questions is, “Does Medicare cover Memory Care?” The answer is yes and no. Medicare does not directly cover Memory Care, but it will help pay for some of its costs.<\/p>

This blog post will explain how Medicare can help pay for Memory Care and other types of senior living.<\/p>

What is Memory Care?<\/h2>

Memory Care is a type of long-term care specifically designed to meet the needs of people with Alzheimer’s, dementia, and other cognitive impairments. Other names include dementia care, Alzheimer\u2019s care, or Memory Care units.<\/p>

These facilities provide 24-hour supervision and assistance with activities of daily living, such as bathing, eating, and using the restroom. They also offer tailored therapeutic programs to help residents maintain their cognitive functioning and social skills.<\/p>

They are often stand-alone facilities or may be an additional service offered at an Independent Living and Assisted Living community.<\/p>

The Cottage<\/a> is the signature Memory Care program in Civitas Senior Living communities<\/a>. These secure environments provide relief and purpose to older adults and their family members.<\/p>

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Evrymmnt – stock.adobe.com<\/figcaption><\/figure>

What Does Medicare Cover?<\/h2>

Medicare Part A covers inpatient hospital stays, skilled nursing facility stays, and home health services. These benefits could cover some of the costs associated with Memory Care. However, there are some limitations.<\/p>

For example, Medicare will only pay for skilled nursing facility stays that are considered medically necessary, and that follow a hospital stay of at least three days.<\/p>

In addition, Medicare Part B covers outpatient medical services, including doctor’s visits, durable medical equipment, and some home health services. Part B benefits could potentially cover the costs of memory testing or therapies that are deemed medically necessary.<\/p>

The Pros And Cons Of Medicare Advantage Plans vs. Original Medicare<\/h2>

Medicare Advantage plans are an alternative to Original Medicare (Parts A and B). These plans are offered by private insurance companies that contract with Medicare. Medicare Advantage plans must cover all of the services that Original Medicare covers, but they can also provide extra coverage, like prescription drugs, routine dental, vision, and fitness.<\/p>

Many Medicare Advantage plans offer $0 monthly premiums. Each policy has rules about who can join and how much you pay for services. To join a Medicare Advantage plan, you must have Original Medicare. You also must live in the plan\u2019s service area.<\/p>

Some plans require you to use doctors in their network or pay more if you go out-of-network. Like all insurance plans, some services have deductibles and copayments\/coinsurance.<\/p>

You will still have to pay your Part B premium if you join a Medicare Advantage plan; most people will pay less (premium + deductible + coinsurance\/copayment) with a Medicare Advantage plan than they would with Original Medicare.<\/p>

You can switch from Original Medicare to a Medicare Advantage plan or vice versa during certain times of the year.<\/p>

Medicare Advantage Plan Pros and Cons:<\/strong><\/p>