What is Typically Covered in a Long-Term Care Policy?

The exact type of coverage varies by insurance policy, but long-term care coverage usually covers, home health care, respite care, adult day care centers, assisted living facilities, nursing homes and Alzheimer special care facilities.

A few long-term care policies may also cover short-term hospice care.

Home health care can be skilled in-home nursing care, such as occupational, speech, physical and rehabilitation therapy; and can help with daily activities such as bathing and eating.

Another type of care covered in a long-term care policy is respite care. This is a type of temporary care at home or in an adult day care or nursing home. It’s meant to last only a few weeks out of the year and provides relief to the primary caregiver.

Assisted living facilities are often covered in long-term policies and provide personalized care to older adults, in a residential setting. Their services may include medication management, assistance with using the bathroom, dressing and grooming; housekeeping, meals, laundry and transpiration services.

Long-term care policies typically cover a comprehensive array of care in either your home or at a specialized facility, but does not typically include medical care.

Most states even have a long-term policy they call a partnership program to encourage people to plan for long-term care. These policies tend to offer certain quality standards, such as providing cost-of-living adjustments for benefits to protect against inflation.

Want to know more about long-term policies or whether your state has a partnership program? Call Advanced Insurance Concepts today and Jim Rooney will work with you to find the answer. Advanced Insurance Concepts works with a variety of insurance companies and all Medicare Advantage providers in Missouri and Kansas. He is licensed to sell Health, Life and Accident Insurance, so call Jim Rooney for all your insurance needs.