Compare Covered Services, Facilities When Shopping for Long Term Care Insurance, Advises Long-Term-Care-Insurance-Planners.Com
Posted on: Monday, 19 September 2005, 15:01 CDT
Many people shopping for long term care insurance want to know what services will be covered.
These are important questions that should be asked and answered when shopping for a long term care policy, say the experts at www.Long-Term-Care-Insurance-Planners.com. If you know the details when shopping, you can compare differences between LTC policies and get the best deal.
Services most often covered by a long term care policy include:
-- nursing home care
-- hospice care
-- home health care
-- respite care
-- assisted living facilities
-- adult day care facilities
-- personal care in your home
In certain cases, other community facilities may be covered as well. Also, some LTC policies include benefit payments to family members who provide home care for their loved ones.
Some policies require that home health care agencies be licensed, while others will pay for a licensed provider even if the provider's agency is not licensed. Licensed providers typically include registered nurses, therapists, and home health aides. Licenses may not be required for all services, such as personal care aides, homemaker or chore services.
The type of facility that is covered is another important question. Some policies allow care from any state-licensed facility, while others require the facility to offer nursing, excluding such facilities as rest homes, homes for the aged or personal care homes.
Determine whether the policy states a required size of a covered facility, or whether it provides certain types of care.
Finally, be aware that requirements may vary from state to state, even from the same LTC insurance company. If you are considering retiring in another state, study the coverage requirements of long term care insurers in that state as well.
Learn more and get multiple coverage bids with one application at www.Long-Term-Care-Insurance-Planners.com.
Reprints of this article are allowed for your site or newsletter with inclusion of this credit: "Reprinted with permission, www.Long-Term-Care-Insurance-Planners.com, your source for free long term care insurance quotes online."
Source: Business Wire
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