Myths & Facts about Public Assistance with the Cost of Nursing Home Care in North Carolina

December 31, 2018

Myth: I need to go into long-term care (LTC). Medicare is my primary health insurance. Medicare will cover all expenses related to my LTC.


Fact: Traditional Medicare will pay for no more than 100 days of LTC costs. Assuming all requirements are met, Medicare guarantees 100% of LTC costs for the first 20 days of your stay in a skilled nursing facility. For days 21-100 of your stay, you are responsible for a daily co-pay of about $170 (in 2018), and Medicare picks up the balance. Most Medicare supplemental policies will cover the co-pay. Beyond day 100 of your stay, you must private pay for the cost of care, at an average monthly rate of $6,810 (in 2018). Private LTC insurance and VA benefits for wartime veterans may pay all or part of these costs. Special rules apply.


The rules applicable to Medicare and Medicaid long-term care benefits are exceedingly complex, White & Allen, P.A. is proud to offer a Certified Elder Specialist and staff, to navigate and advise you, your family and friends on all your Elder Law questions. Please call us at (252)-527-8000 or email If you would like to request more information on the Elder Law in North Carolina please contact us for a complimentary information booklet entitled "Senior Citizens Handbook” published by Project Grace (Young Lawyers Division and Elder & Special Needs Law Section of the North Carolina Bar Association.


It is never too early or too late to plan for your future.