Find Care — Project Kos

You don't have to go
where you're referred.

Federal law guarantees every Medicare beneficiary the right to choose any qualified, enrolled provider. At discharge, hospitals are required to offer you a choice of agencies — not just the one they partner with. Most referrals are shaped by contracts and relationships you can't see. This tool gives you the public data to make the choice yours.

Start here — enter your area

Our job is to help you find the right fit — not the closest, not the loudest advertiser.

Pick what you're looking for, then hit Find

Medicare typically covers

Inpatient hospital stays Part A
Skilled nursing rehab — up to 100 days ^* Part A
Inpatient rehabilitation (IRF) Part A
Long-term acute care (LTACH) Part A
Home health ^† Part A / B
Hospice for a 6-month prognosis ^‡ Part A
Dialysis for ESRD at any age Part B
Durable medical equipment ^§ Part B
Outpatient therapy (PT / OT / SLP) Part B
Outpatient mental health Part B
Prescription drugs Part D

^* Requires a 3-day qualifying inpatient hospital stay. Days 1-20 fully covered; days 21-100 have a $217/day coinsurance in 2026; day 101+ not covered.

^† Must be homebound, require intermittent skilled care (generally under 8 hours/day, 28 hours/week), and use a Medicare-certified agency.

^‡ Requires physician certification of a terminal illness with 6 months or less prognosis. Electing hospice waives curative treatment for the terminal condition.

^§ Medicare pays 80% of the approved amount after the $283 Part B deductible (2026); you pay 20%. Only applies when using a Medicare-enrolled supplier who accepts assignment.

Medicare generally doesn't cover

Long-term custodial nursing home care
Assisted living room and board
24-hour home care
Homemaker or personal-care-only services
Most dental, vision, and hearing care
Routine eyeglasses and hearing aids
Cosmetic procedures
Care outside the U.S. (with rare exceptions)

These gaps are often filled by Medigap, Medicare Advantage extras, long-term care insurance, or Medicaid.

Medicaid coverage varies widely by state

Unlike Medicare, Medicaid is a joint federal-state program. Every state sets its own eligibility rules, covered services, and waiver programs. A single list would be misleading.

Common gap-filling roles Medicaid plays include long-term nursing home care, home and community-based services (HCBS) waivers, personal care, and Medicare premium/cost-share assistance through Medicare Savings Programs.

Find your state's Medicaid program Medicare Savings Programs (MSP)

Active filters

No filters active

You don't have to gowhere you're referred.

You don't have to go
where you're referred.