Medicare coverage · Texas & Florida
Does Medicare Cover Nursing Home Care?
Not covered by Original MedicareNo. Medicare does not cover long-term custodial nursing-home care — help with daily activities like bathing, dressing, and eating. It only covers short-term skilled care after a qualifying hospital stay. Long-term care is funded through Medicaid, long-term-care insurance, or out of pocket.
Reviewed for the 2026 plan year · Source: Medicare.gov
How to get nursing home care covered in Texas & Florida
Long-term custodial care isn't a Medicare benefit. Texans and Floridians typically plan for it through Medicaid, a long-term-care insurance policy, or a hybrid life/LTC policy that returns value whether or not you ever need care. We'll walk you through which path fits your situation and budget — at no cost.
Want help finding a plan that covers nursing home care?
Free and no pressure. Matt compares every Texas and Florida option for you and only recommends what fits.
Frequently Asked Questions
Does Original Medicare cover nursing home care?
No. Medicare does not cover long-term custodial nursing-home care — help with daily activities like bathing, dressing, and eating. It only covers short-term skilled care after a qualifying hospital stay. Long-term care is funded through Medicaid, long-term-care insurance, or out of pocket.
Do Medicare Advantage plans in Texas or Florida cover nursing home care?
Medicare Advantage plans must cover at least what Original Medicare covers for nursing home care, and a few add extra help. We can confirm the specifics for the plans in your Texas or Florida county at no cost.
How much does nursing home care cost with Medicare?
Your cost depends on your specific plan, where you live in Texas or Florida, and your providers. We compare every option in your county side by side — free, with no obligation — so you see the real total cost before you choose.