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 Long Term Care Insurance |
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Is designed to preserve your assets and give you choices.
Each year too many of us lose our assets because of uncovered medical expenses. Alot of these expenses are for long term care. Too many of us think that medicare, private insurance, and medicare supplements will pay for these expenses.
But they only pay for short-term recovery benefits for skilled care in a nursing home and pays only for home health visits (average one hour) and nothing for longer shifts at home. Most long term care is of a non-skilled custodial nature and is not covered, except by the medicaid welfare program. Which has very limeted choices as to where you can receive your care. Medicaid will only pay for a nursing home and nothing for home health care, assisted living, or adult day care. I dont know about you but the last place I want to receive care is in a nursing home. Also you must have spent most of your asset and have very limited income to qualify for medicaid.
Long-term care insurance is the solution for many of us to avoid the financial threat of losing our asset due to uncovered medical expenses. It is a relatively new form of insurance that provides benefits for all levels of care provided by home health agencies, assisted living facilities, adult day care centers, and nursing homes.
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