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
Related Tags: insurance, questions, long term care
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