Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which type of care does Medicare generally NOT cover?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Medicare does not cover custodial care, which is assistance with daily living activities such as bathing, dressing, eating, and getting in and out of bed, when it is the only care needed. Medicare covers skilled care that is medically necessary and restorative, but once a beneficiary needs only custodial supervision, Medicare coverage ends. This coverage gap is one of the principal reasons long-term care insurance exists.
Why the other options are wrong
- A) Inpatient hospital care is a core Medicare Part A benefit and is covered subject to the deductible and coinsurance rules.
- C) Medically necessary physician services are covered under Medicare Part B at 80% after the annual deductible.
- D) Home health care ordered by a physician and requiring skilled services is covered when the beneficiary is homebound.
Memory hook
Medicare pays for skilled and medically necessary care, not for everyday custodial help with daily living.