Most public long-term care (LTC) programs such as Medicaid cover custodial care as long as it is provided within a nursing facility. Custodial care at home is typically covered only under LTC insurance - not by Medicaid - even though home care is cheaper than a nursing facility. Medicare, on the other hand, covers only medically necessary, skilled care and will cover at-home custodial care only if it is provided in conjunction with skilled care.
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