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Senior health insurance - Long term care insurance facts

Health care costs are escalating and every section of the American community is affected, more or less. The problem is at its worst in case of the nationís senior members who have to cope up with failing health on one hand and expensive health care options on the other. Many experts are of the opinion that long term care may be the much needed solution. But like as is the case with other policies, long term care plans may not be effective for everyone. That is why before opting for a long term care plan, you must do a thorough background research on this kind of insurance.

So what exactly is long term care? The kind of care the disabled or physically ill elderly need is referred to as long term care. Though a major part of it is similar to medical care, long term care does have a fine difference from the latter. While long term care has got a lot to do with well- being of a patient, its effects are less direct than that of medical attention. When you opt for long term care, it is because you want your own welfare to some extent and also because you want to continue with your present condition of living. Unlike medical care, this does not ensure that youíll get any better. Long term care is mostly afforded through retirement communities and organizations offering home health care.

Long term care insurance explores the coverage part of long term care services. When you purchase this kind of insurance you can hope to have eligible long term care expenses paid for (of course, only after you reach a certain deductible). Disabled people usually opt for this type of insurance because Federal programs do not offer advantages included in these plans. Insurance for LTC need not be purchased time and again.Moreover, LTC costs are rather high and that should tell you why you need to be careful about its purchase. Also, long term care insurance is supposed to be an excellent cost cutting device when home health care costs and other similar expenses are really high.

The initiation of long term care insurance came as a result of major medical plans not including this sphere of facility. Most traditional plans youíll come across make space only for skilled care and not for what is called custodial care (in other words, long term care). Apart from plans offered by private insurers, even Medicare (as stated before) does not cover long term care. Medicaid is the only program that provides long term care benefits to members. But that too is limited since Medicaid has not covered long term care comprehensively from the decade of the 70ís. Participating nursing homes may be able to help you but again upto a certain point. That is because they are allowed to take in only a limited number of Medicaid members per year. Since all these constraints have cropped up over the years, long term care has become an entirely separate branch of health insurance.


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