What is the primary difference between Medicare and Medicaid in relation to Long-Term Care?

The primary difference between Medicare and Medicaid in relation to Long-Term Care revolves around their structure and funding sources. Medicare is a federal program that primarily provides health insurance to individuals aged 65 and older, as well as to certain younger persons with disabilities. It offers limited coverage for some long-term care services, typically only for skilled nursing care following a hospital stay.

On the other hand, Medicaid is a joint federal and state program designed to assist individuals with low income, including many seniors, by covering a wider range of long-term care services, such as nursing home care and in-home services. The requirements for eligibility, benefits, and coverage can vary significantly from state to state due to Medicaid's state administration.

Understanding this distinction is crucial for individuals navigating long-term care options, as it determines which services may be covered under each program and the qualifications needed to obtain assistance.