Life Plan
Making Sure Your Care Is Covered

You may be wondering why you should be considering a senior living community that offers Type B contracts, particularly if you have health insurance and Medicare. Many individuals looking at senior living communities assume that their healthcare insurance and Medicare will cover their long-term care costs, including assisted living services, skilled nursing, and memory care.

In reality, healthcare insurance doesn’t cover any long-term care. What’s more, healthcare insurance, including Medicare, does not cover housing. Many do not cover assisted living services, skilled nursing or memory care, or offer limited coverage for those levels of care.

It’s important to understand what exactly your healthcare insurance will and will not cover, to protect your assets and ensure you receive the level of care you need today and tomorrow.

Comparing Coverage
The chart below shows which services are and are not covered by different types of healthcare insurance.

Explanation of services that are and are not covered by different types of healthcare insurance

Is a Type B Contract Right for You?
When deciding which type of contract is right for you, make sure you’re asking the right questions. Click here for a list of questions to help you determine if a buy-in contract meets your needs.

Common Contract Types
Senior living community contracts vary greatly. Be sure to read and compare contracts closely before you make a decision. Learn more about the most common contracts offered by Continuing Care Retirement Communities (CCRCs).

We’re Here to Help

We understand that choosing the right senior living community isn’t always simple. We’re here to help make it easier, with information, guidance, and peace of mind. If you have any questions about Continuing Care Retirement Communities, buy-in contracts, or long-term care, please don’t hesitate to contact us today.


One of the area’s few licensed, faith-based Continuing Care Retirement Communities (CCRC), Rowntree Gardens provides a full range of integrated onsite services to meet the changing needs of active seniors.
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