Medicare is hospital and medical coverage.

When you get old, if you need skilled nursing care at home or in a nursing home, that's your dime.

Typically, you get admitted to a nursing home, spend all of your money, and when you run out go to Medicaid. Your county DSS will liquidate your home and remaining assets and you'll be paid for by that until you die.

If you have a surviving spouse, they get to keep some allowance.

I believe you're incorrect, Medicare Part A covers hospice, skilled nursing and in home care.

https://www.medicare.gov/what-medicare-covers/part-a/what-pa...

Only in certain conditions. If you are recovering from a surgery, yes. If you need physical therapy at home, yes. If you cannot perform activities of daily living, or need more than 100 days of care, no.

Nursing home: https://www.elderlawanswers.com/medicares-limited-nursing-ho...

Home care: https://www.medicare.gov/coverage/home-health-services.html

Activities of daily living: "Activities of daily living (ADL) are routine activities that people tend do every day without needing assistance. There are six basic ADLs: eating, bathing, dressing, toileting, transferring (walking) and continence."