What Insurance Covers for Elder Care in Connecticut
A plain-English guide to help you understand what's covered — and what's not.
Medicare
Medicare is the federal health insurance program for people 65+. It covers many medical expenses but has significant gaps for long-term care.
What it covers
What it doesn't cover
Medicaid (CT)
Medicaid in Connecticut provides extensive coverage for eligible low-income seniors. CT has some of the most comprehensive Medicaid programs for elder care in the country.
Important: Medicaid has income and asset limits. Planning ahead is crucial — a Medicaid spend-down strategy should be discussed with an elder law attorney.
Long-Term Care Insurance
If your parent has a long-term care insurance policy, it can be the most valuable asset for covering care costs. These policies typically cover:
Review the policy carefully — coverage amounts, waiting periods, and benefit periods vary significantly.
VA Benefits
If your parent is a veteran, they may qualify for Aid & Attendance benefits, which can provide additional monthly income to help pay for care. This benefit is often overlooked and can add $1,000–$2,000+ per month depending on the situation.