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COVID-19 Updates
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Does Insurance Cover Memory Care?

Different options for loved ones with memory loss.

If you’re looking into additional care for someone with Alzheimer’s or other forms of dementia, the team at The Crossings can help you explore the various financial options available.

Male and female couple in conversation.

Paying For Your Loved One’s Specialized Support.

We recommend keeping any existing health care or insurance plans active that may help meet your loved one’s care needs. Various insurance policies – including Medicare, private insurance, a group employee plan, retiree health coverage, disability insurance, veterans benefits or long-term care insurance – may help pay for care, as outlined below.

Medicare does not cover long-term care – although Medicare coverage may help with certain medical costs incurred with memory loss. Medicaid coverage is not accepted at our community; however, you can look into these additional types of coverage for possible assistance.

  • Veterans Benefits: Veterans and their spouses may be able to qualify for monthly benefits to help with the costs of care using Veterans Aid and Attendance. The process can take several months so it’s important for eligible veterans to apply early through the Veterans Administration.
  • Long-Term Care Insurance: In order to take advantage of long-term care insurance, you already need to have a policy in place prior to diagnosis of dementia or Alzheimer’s. If you plan ahead, long-term care insurance can help pay for memory care – but be sure to compare how much a policy pays per day and how many days or years it will pay out.
  • Employee or Retiree Health Plan: For an individual diagnosed with Alzheimer’s or another form of dementia before turning 65, coverage may be available through private insurance – either a group employee or retiree health plan may help pay for some expenses.
  • Disability Insurance: A disability policy could provide income for a worker who can’t work due to illness or injury, but the plan would need to already be in place before symptoms of memory loss begin.

If your family decides to get help with the challenges of memory impairment, we’re here to support you. You’ll find the specialized care at The Crossings at North River brings invaluable peace of mind and security to your family, as well as a sense of belonging for your loved one.