Comparing Long-Term Care Coverage
	Medicare	Medicare Supplement Plans	Typical Benefit Programs	John Hancock Long-Term Care insurance
SKILLED NURSING CARE A facility that is either licensed to provide skilled or intermediate nursing care	þ First 20 days are paid by Medicare. The 2lst through 100th require a co-payment of $97 per day (in 2000); after 100 days there is no coverage.	þ Coverage varies, usually no payment or only small percent of Medicare co-payments.	o No substantive benefits are available	þ Covered up to the specified Daily Maximum Benefit (DMB) and Lifetime Maximum Benefit (LMB)
RESIDENTIAL CARE FACILITY A facility that provides personal custodial care to five or more residents. Includes facilities that are designed expressly for Alzheimer's or other "cognitively impaired" patients.	o Not covered	o Not covered	o No substantive benefits are available	þ Covered up to the specified DMB and LMB
HOME HEALTH CARE Includes home health care, adult day care, personal care, homemaker services, hospice care, and respite care.	þ Coverage available up to 7 days a week, but only for a short period of time	o Usually not covered	þ Coverage available after hospitalization	þ Covered up to the specified DMB and LMB