Navigating the world of assisted living can be confusing. Traditional Medicare typically does not cover long-term stays at assisted living facilities, but there are important exceptions and workarounds.

First, Medicare does cover medically necessary services like doctor visits, hospital care, and limited skilled nursing facility stays after hospitalization. Some Medicare Advantage (Part C) plans even offer extra benefits — including help with personal care, meal delivery, and transportation — services vital for many seniors in assisted living.

Another key resource? Medicaid. If you qualify for both Medicare and Medicaid (known as "dual eligibility"), you may access greater financial assistance for assisted living arrangements. In certain states, Medicaid waivers can help cover room and board, providing a major financial relief.

It’s also critical to explore Medicare Savings Programs and Extra Help (a program assisting with prescription drug costs) — both can free up extra cash that can go toward assisted living expenses.

Beyond government programs, knowing how to structure your care strategically can make all the difference. Timing skilled care services and using approved providers ensures you maximize available benefits without unexpected costs.

Many families feel stuck — believing assisted living is out of reach. The reality? With the right knowledge and planning, support options become available that dramatically lighten the financial load.