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Long term and custodial care
With Alzheimer’s, people often need both medical care (visits, evaluations, treatments) and custodial care (help with daily activities, supervision, long-term support). Medicare is generally designed to cover medically necessary health services—not ongoing custodial care or long-term memory care.
Why it Matters
This is one of the biggest financial surprises families face when memory care becomes necessary.
Action Steps
Ask: “Which parts of this care plan are medical vs custodial?”
Ask about community resources and long-term care planning options early.
Confirm what services are covered under your specific plan.
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