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Does TRICARE cover long-term care or nursing homes?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
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Quick Answer
TRICARE has limited long-term care coverage. Skilled nursing is covered short-term, but custodial/long-term care is not covered.
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Key Takeaways
- Limited to skilled nursing
- No custodial care coverage
- Short-term only
- Consider LTC insurance
Detailed Answer
Long-term care coverage is very limited.
What's Covered
- Skilled nursing facility (short-term)
- Rehabilitation stays
- Post-hospital care
- Medically necessary
What's NOT Covered
- Long-term custodial care
- Nursing home residence
- Assisted living
- Home custodial care
Skilled Nursing
- After hospitalization
- Active treatment
- Limited duration
- Must be improving
Alternatives
- Long-term care insurance
- VA nursing homes (some vets)
- Medicaid for eligible
- Private pay options
Planning
- Consider LTC insurance
- Check VA eligibility
- Plan ahead
- Understand limitations
Sponsored
What do most military families add to their TRICARE coverage?
Most Popular
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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