Types of Insurance
Insurance Resources
Assistance Resources

Financial Considerations
Independent living is not covered by most health insurance companies, so you may have considerable out-of-pocket expenses. Long-term care insurance is the exception, but coverage varies by policy. Speak with your insurance representative for more details.

Commercial Insurance
There is no coverage under commercial insurance for independent living. If you have this insurance, you need to maintain your coverage.

Managed Care Insurance
There is no coverage for independent living. If you have this insurance, you need to maintain your coverage.

Medicare
Medicare does not pay the cost of living in an independent-living residence, but it will pay the covered costs for medically necessary in-home services (home health, home medical equipment, and personal care) if the covered person lives in an independent-living residence. You need to maintain your Medicare coverage.

Medigap
Medigap does not pay for independent living. If you have this insurance you may need to maintain your coverage.

Medical Assistance
Medical Assistance does not pay the cost of living in an independent-living residence, but it will pay the covered costs for medically necessary in-home services (home health, home medical equipment, and personal care) if the covered person lives in an independent-living residence.

U.S. Veteran's Benefits
U.S. Veteran's Benefits does not cover independent living. If you qualify for these benefits, you need to maintain your coverage.

Your Out-Of-Pocket Costs
Unless you have coverage through a long-term care insurance policy, you will be responsible for the costs at an independent living facility.

Long-term Care Insurance
Long-term Care Insurance policies may cover room and board in an independent-living residence; coverage depends on the policy. If you have long-term care insurance, check your policy or call the insurance company to find out if the care you need is covered.