Google 来的：
Medicare nursing home care is not free and generally does not cover long-term, custodial care. It only covers short-term skilled nursing, rehabilitation, or medical care, with the first 20 days fully covered, followed by high daily coinsurance costs from days 21–100 in 2026 ($217/day). Medicare stops paying after 100 days per benefit period.
Key Medicare Nursing Care Coverage
- What is Covered: Skilled nursing care (e.g., changing bandages, physical therapy) after a qualifying hospital stay of at least 3 days.
- What is NOT Covered: Long-term "custodial" care, which helps with daily activities like bathing, dressing, and eating.
- Costs (2026 Rates):
- Days 1–20: $0 for each benefit period.
- Days 21–100: Coinsurance of up to $217 per day.
- Day 101+: You pay 100% of costs.
- Medicare Advantage (Part C): These private plans may have different cost structures and coverage rules for skilled nursing facilities.
If you need long-term care due to a chronic condition or disability, you may need to look into Medicaid or private, long-term care insurance.
