Chartered Retirement Planning Counselor (CRPC) Practice Exam 2025 - Free CRPC Practice Questions and Study Guide

Medicare covers long-term care expenses under specific circumstances, and one of the primary requirements is a certification of need by a doctor. This certification is essential because Medicare does not cover custodial care in a nursing home unless the individual requires skilled nursing care or rehabilitation services that are medically necessary. The assessment by a healthcare provider helps determine the individual's need for such care and ensures that they meet the criteria for what Medicare considers skilled care.

Other options present conditions that do not directly align with Medicare's policies on covering long-term care expenses. For example, hospitalization for a set period before receiving care is not a blanket requirement for LTC coverage. Similarly, age alone does not determine eligibility for LTC benefits, as Medicare covers individuals under 65 if they meet specific disability criteria. Lastly, while Medicare Part C (Medicare Advantage) may offer additional benefits, enrollment in this plan isn't a requirement for Medicare to cover long-term care expenses; rather, it can supplement traditional Medicare coverage.