Frequently Asked Questions about Long Term Care Insurance
Frequently Asked Questions About Long Term Care Insurance
What is Long Term Care?
- Long Term Care is medical and sometimes supportive assistance for those who have a degenerative condition, terminal illness, or cognitive disorder.
- Some of this care includes custodial care and assistance with every day activities such as eating, dressing, etc. Care also includes supervision for the cognitively impaired.
- Long Term Care is not restricted to a specific setting. Care can be provided in nursing homes, the person s own home, assisted living centers, and adult day cares.
Why Do I need Long Term Care?
- With Long Term Care, you can remain in control of your care decisions
- You can receive care at the place you choose
- You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you
- Saves you and your family members and friends from emotional and financial strain
What if I Already Have Health Insurance and Medicare?
- Although Health Insurance and Medicare are very important, they do not fully cover the cost of Long Term Care.
- Health Insurance:
- Doctor s visits, hospital bills, and prescriptions
- HEALTH INSURANCE DOES NOT COVER CUSTODIAL CARE!!
- Medicare:
- Medical supplement insurance is restricted by the limited coverage rules of Medicare
- Short term care is limited to 90-100 days!
- Medicaid:
- Medicaid is only offered to those with low income and assets.
- Those who do received Medicaid may have limited choices as to where they can receive care.
To receive a quote for Long Term Care Insurance, please visit Quotes Auction to speak to a real person!
www.2insure4less.com/?s=232528&k=Long+Term+Care
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