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Cost of Long-term Care

Costs vary widely by type.

Estimated Costs of Care by Type

Don’t be startled by what I’m about to say, but Long-Term Care is not covered by Medicare. Most people go well into their 60s before they learn this fact. In some circumstances, the cost of LTC may be covered by Medicaid, which is income-based insurance.

The cost of care can depend greatly on where the care is given. The median cost for a home-health aide for an eight-hour day is more than $49,000 a year, while nursing care in a facility with a private room has a median cost of almost $98,000 a year.1

Type of Care 2016 2017
Private Room in Nursing Home $7,698 $8,121
Semi-Private Room in Nursing Home $6,844 $7,148
Home Health Aide $3,860 $4,099
Home Care: Homemaker $3,815 $3,994
Assisted Living Facility $3,630 $3,750
Adult Day Care $1,475 $1,517
1Genworth 2017 Cost of Care Survey, conducted by CareScout®, June 2017
Cost of Care Infographic by Nicolas Rapp
Source: AARP, Nicholas Rapp, AARP Bulletin, 5 Things You Should Know About Long-Term Care Insurance, Article Link. All Rights Reserved.


It is common for siblings to go-in together to purchase long-term care for their parents. Parents many times do not want to be a burden on their kids.

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