Medicare only pays for part of nursing home care. Medicare does not cover the largest portion of long-term services or personal care. For eligible individuals, Medicare covers costs for only 100 days, paying completely for the first 20 days, while the individual pays up to $140 per day thereafter.
Medicare primarily covers medically necessary care such as doctors' appointments, medication and hospital stays. Medicare also includes short-term services for conditions that are believed to improve over time, such as physical therapy. Medicare coverage applies to individuals 65 years old or older, people under 65 who have particular conditions, and all individuals who have end-stage renal disease (kidney failure that necessitates a transplant or dialysis).