What is the Cost of Care?<\/h1><\/div>Who Really Pays?<\/h1><\/div><\/div><\/div><\/div><\/div>![](\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/cost-of-care.png\" "\\"cost-of-care\\"")
<\/span><\/div>Download PDF<\/span><\/a><\/div><\/div><\/div>The cost of long-term care varies according to where you receive that care and by the type of care needed. Regardless, it will likely far exceed any other major lifetime expense you have experienced and force a reallocation of both your income and assets. This creates problems as none of that money was earmarked to pay for long-term care, meaning that using it will disrupt every plan you created to secure financial viability during retirement.<\/p>\n
It is a common misperception among Americans that Medicare, health insurance or Medicaid will cover long-term care costs. Medicare and traditional health insurance are designed to pay for doctor and hospital bills, not the custodial care associated with long-term care. To be eligible under Medicaid, guidelines require that you must first become impoverished – paying for care out of pocket and spending down assets. As a result, relying on Medicare, Medicaid or other government programs will either not be an option or fall short of expectations.<\/p>\n
To learn more about the cost of care and the funding options available, click the link below to read \u201cStraight Talk About Common Misperceptions: Money Matters<\/a>\u201d.<\/p>\n<\/div>Calculate my cost of care<\/span><\/a><\/div><\/div><\/div>Who and Where?<\/span><\/a><\/div><\/div><\/div><\/div>Download PDF<\/span><\/a><\/div><\/div><\/div>Who and Where?<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>The national average monthly costs for extended care in the United States (in 2025).3<\/a><\/p><\/h3><\/div><\/div><\/div>![](\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/home-health-icon.png\" "\\"home-health-icon\\"")
<\/span><\/div>In-Home Care (Non-medical caregiver)4<\/a><\/p>\n<\/div>$6,673<\/p>\n<\/div>
per month<\/small><\/p>\n<\/div><\/div><\/div>![](\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/Care-center-icon.png\" "\\"Care-center-icon\\"")
<\/span><\/div>Adult day health care center5<\/a><\/p>\n<\/div>$2,058<\/p>\n<\/div>
per month<\/small><\/p>\n<\/div><\/div><\/div>![](\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/assisted-facility-icon.png\" "\\"assisted-facility-icon\\"")
<\/span><\/div>Assisted Living Community6<\/a><\/p>\n<\/div>$6,200<\/p>\n<\/div>
per month (for a one-bedroom unit)<\/small><\/p>\n<\/div><\/div><\/div>![](\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/nursing-home-icon.png\" "\\"nursing-home-icon\\"")
<\/span><\/div>Nursing Home<\/p>\n<\/div>
$9,581<\/p>\n<\/div>
per month (semi-private room)<\/small><\/p>\n<\/div><\/div><\/div><\/span><\/div>Nursing Home<\/p>\n<\/div>
$10,798<\/p>\n<\/div>
per month (private room)<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div>A shocking 56% of boomers mistakenly believe that Medicare will pay for long-term (sometimes called “custodial”) care.<\/em>7<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/a>3 CareScout Cost of Care<\/a>
\n<\/small><\/a>4 Based on annual rate divided by 12 months (assumes 44 hours per week)<\/small>
\n<\/a>5 Based on annual rate divided by 12 months <\/small>
\n<\/a>6 As reported, monthly rate, private, one bedroom<\/small>
\n<\/a>7 Diane Omdahl, Forbes, “Warning: Medicare Does Not Pay for Long-Term Care<\/a>“, January 2023<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":158,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-189","page","type-page","status-publish","hentry"],"yoast_head":"\nCost of Care - Certification for Long Term Care<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cost of Care\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\" \/>\n<meta property=\"og:site_name\" content=\"Certification for Long Term Care\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LTCCLTC\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-27T12:28:54+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\",\"url\":\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\",\"name\":\"Cost of Care - 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Who Really Pays?<\/h1><\/div><\/div><\/div><\/div><\/div><\/span><\/div>Download PDF<\/span><\/a><\/div><\/div><\/div>The cost of long-term care varies according to where you receive that care and by the type of care needed. Regardless, it will likely far exceed any other major lifetime expense you have experienced and force a reallocation of both your income and assets. This creates problems as none of that money was earmarked to pay for long-term care, meaning that using it will disrupt every plan you created to secure financial viability during retirement.<\/p>\n
It is a common misperception among Americans that Medicare, health insurance or Medicaid will cover long-term care costs. Medicare and traditional health insurance are designed to pay for doctor and hospital bills, not the custodial care associated with long-term care. To be eligible under Medicaid, guidelines require that you must first become impoverished – paying for care out of pocket and spending down assets. As a result, relying on Medicare, Medicaid or other government programs will either not be an option or fall short of expectations.<\/p>\n
To learn more about the cost of care and the funding options available, click the link below to read \u201cStraight Talk About Common Misperceptions: Money Matters<\/a>\u201d.<\/p>\n<\/div>Calculate my cost of care<\/span><\/a><\/div><\/div><\/div>Who and Where?<\/span><\/a><\/div><\/div><\/div><\/div>Download PDF<\/span><\/a><\/div><\/div><\/div>Who and Where?<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>The national average monthly costs for extended care in the United States (in 2025).3<\/a><\/p><\/h3><\/div><\/div><\/div><\/span><\/div>In-Home Care (Non-medical caregiver)4<\/a><\/p>\n<\/div>$6,673<\/p>\n<\/div>
per month<\/small><\/p>\n<\/div><\/div><\/div><\/span><\/div>Adult day health care center5<\/a><\/p>\n<\/div>$2,058<\/p>\n<\/div>
per month<\/small><\/p>\n<\/div><\/div><\/div><\/span><\/div>Assisted Living Community6<\/a><\/p>\n<\/div>$6,200<\/p>\n<\/div>
per month (for a one-bedroom unit)<\/small><\/p>\n<\/div><\/div><\/div><\/span><\/div>Nursing Home<\/p>\n<\/div>
$9,581<\/p>\n<\/div>
per month (semi-private room)<\/small><\/p>\n<\/div><\/div><\/div><\/span><\/div>Nursing Home<\/p>\n<\/div>
$10,798<\/p>\n<\/div>
per month (private room)<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div>A shocking 56% of boomers mistakenly believe that Medicare will pay for long-term (sometimes called “custodial”) care.<\/em>7<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/a>3 CareScout Cost of Care<\/a>
\n<\/small><\/a>4 Based on annual rate divided by 12 months (assumes 44 hours per week)<\/small>
\n<\/a>5 Based on annual rate divided by 12 months <\/small>
\n<\/a>6 As reported, monthly rate, private, one bedroom<\/small>
\n<\/a>7 Diane Omdahl, Forbes, “Warning: Medicare Does Not Pay for Long-Term Care<\/a>“, January 2023<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":158,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-189","page","type-page","status-publish","hentry"],"yoast_head":"\nCost of Care - Certification for Long Term Care<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cost of Care\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\" \/>\n<meta property=\"og:site_name\" content=\"Certification for Long Term Care\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LTCCLTC\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-27T12:28:54+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\",\"url\":\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\",\"name\":\"Cost of Care - 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<\/span><\/div>The cost of long-term care varies according to where you receive that care and by the type of care needed. Regardless, it will likely far exceed any other major lifetime expense you have experienced and force a reallocation of both your income and assets. This creates problems as none of that money was earmarked to pay for long-term care, meaning that using it will disrupt every plan you created to secure financial viability during retirement.<\/p>\n
It is a common misperception among Americans that Medicare, health insurance or Medicaid will cover long-term care costs. Medicare and traditional health insurance are designed to pay for doctor and hospital bills, not the custodial care associated with long-term care. To be eligible under Medicaid, guidelines require that you must first become impoverished – paying for care out of pocket and spending down assets. As a result, relying on Medicare, Medicaid or other government programs will either not be an option or fall short of expectations.<\/p>\n
To learn more about the cost of care and the funding options available, click the link below to read \u201cStraight Talk About Common Misperceptions: Money Matters<\/a>\u201d.<\/p>\n<\/div> The national average monthly costs for extended care in the United States (in 2025).3<\/a><\/p><\/h3><\/div><\/div><\/div> In-Home Care (Non-medical caregiver)4<\/a><\/p>\n<\/div> $6,673<\/p>\n<\/div> per month<\/small><\/p>\n<\/div><\/div><\/div> Adult day health care center5<\/a><\/p>\n<\/div> $2,058<\/p>\n<\/div> per month<\/small><\/p>\n<\/div><\/div><\/div> Assisted Living Community6<\/a><\/p>\n<\/div> $6,200<\/p>\n<\/div> per month (for a one-bedroom unit)<\/small><\/p>\n<\/div><\/div><\/div> Nursing Home<\/p>\n<\/div> $9,581<\/p>\n<\/div> per month (semi-private room)<\/small><\/p>\n<\/div><\/div><\/div> Nursing Home<\/p>\n<\/div> $10,798<\/p>\n<\/div> per month (private room)<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div> A shocking 56% of boomers mistakenly believe that Medicare will pay for long-term (sometimes called “custodial”) care.<\/em>7<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div> <\/a>3 CareScout Cost of Care<\/a><\/span><\/div><\/span><\/div><\/span><\/div><\/span><\/div><\/span><\/div>
\n<\/small><\/a>4 Based on annual rate divided by 12 months (assumes 44 hours per week)<\/small>
\n<\/a>5 Based on annual rate divided by 12 months <\/small>
\n<\/a>6 As reported, monthly rate, private, one bedroom<\/small>
\n<\/a>7 Diane Omdahl, Forbes, “Warning: Medicare Does Not Pay for Long-Term Care<\/a>“, January 2023<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":158,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-189","page","type-page","status-publish","hentry"],"yoast_head":"\n