Terminal Cruising vs Assisted Living/Nursing Homes One of the basic problems with the cruise scenario is medical costs outside the US are not covered by Medicare, so other insurance (that covers care outside the country - not common) or deep pockets are required. Having experienced cruise ship bathrooms, there is little, if any room for assistance in a normal cabin; and as far as seat risers or similar adaptations go, they would pretty much require land-type facilities, which might be available in some of the handicapped-accessible rooms (which I haven't seen). The other question would be what class handicapped-accessible rooms would be, which would affect the cost.