Contrary to common belief, most health insurance plans do not cover long-term care services.  The following is a list of services that are covered by the LTC Program.

Covered Services

• Nursing home (skilled, intermediate and custodial care in a licensed nursing home or Alzheimer’s facility)
• In-patient hospice care
• Voluntary initial care advisory visit
• Assisted living facility (or Alzheimer’s facility)
• Home care services
  • Services from a licensed home care agency for: R.N., L.P.N., L.V.N., home health aide, physical, respiratory, occupational and speech therapy, homemaker services, social worker, social worker from an agency
  • Care from a nurse (R.N., L.P.N., L.V.N.) or a licensed therapist who is unaffiliated with a licensed agency
  • Adult day care
  • At-home hospice care
  • Ongoing advisory services
• Respite services (21 days per calendar year): Services can be provided at home, in a nursing home, or in an assisted living facility
• Informal Care (unlimited number of days)