Who Pays What

Which stretch of long-term care Medicare, Medicaid, a long-term care policy, or your own money is actually covering — and what happens on the day one of them stops.

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About this section

Admission packet, care-level reassessment letter, a survey report full of F-tags, a Medicare notice with a 48-hour deadline printed halfway down the second page — Yasmin Delacroix put all of it in one binder over the three years her father moved from his own house to assisted living and then to a nursing home. She is not a lawyer, a nurse, or a financial planner, and no page here says where anyone should live. What each guide does is quote the document itself, name the regulation or contract clause it comes from, and mark the date a deadline starts running.

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How this is checked

Every guide cites the agency, statute, or document it was checked against, and carries the date it was checked. Rules change — if something here is out of date, tell us and it gets corrected.