Long Term Care Insurance Basics

Understanding LTC Policy Protection

Long Term Care Insurance Planners provides extensive LTC information to help you make better choices for the care of your loved ones or yourself.

Getting an LTC quote is fast, easy, free and it only takes a few minutes. In addition to receiving a free quote with no strings attached, we offer one of the leading resources for long term care insurance information on the Internet. Select the links below to learn more about long-term-care and how it effects you.

Then take the next step and get free online long-term care insurance quotes by using the quick quote form above.

What is Long Term Care Insurance?

Learn how much LTC health insurance may cost you or your loved ones, the fundamentals of selecting the right LTC Policy, who pays for long term care insurance and how you can apply for a policy. Chances are, you have a good understanding of why you may need it, here you can learn more about what LTC is.

Covered LTC Facilities and Services

Learn which long term health care services and assistance are covered under a LTCI policy. One of the very important features of a sound LTC health strategy is to select a policy that provides desirable options with respect to the selection of health care facilities and service.

Why Buy Long Term Care Insurance?

Consider these benefits for buying long term care health insurance. Unfortunately, insurance tends to often be regarded as something that has no benefit until you need it. The truth about long term care -insurance is it not only provides for care coverage, it provides the piece-of-mind you or your family won’t be faced with catastrophic health care costs that drain your savings or adversely change your lifestyle.

  What are the Cost Factors for LTCI?

There are many cost factors that may affect the actual cost of your coverage and the costs of waiting to buy a long term care policy.

Myths and Facts about Long-Term Care Insurance

We provide the facts that will help you to evaluate and understand the common misconceptions about LTC insurance. Get the facts about the underwriting process.

LTCI Policy Rates

Learn about the factors that affect long term care policy rates.

Your Retirement Plans

Retirement planning should include long-term care insurance as a risk management tool to protect your hard earned assets and estate. Take control of the quality of health care you will receive, while protecting the assets you’ve worked your whole life to build.

LTC and Medicaid

Understand Medicaid eligibility rules, Medicaid coverage and benefits for long term care. Medicaid benefits for nursing homes include room and board and long term care health services. In most states, Medicaid coverage also extends to some community and home based long term care services. Medicaid benefits for community services usually only cover the health care services. Rent, food, utilities and taxes have to be paid by the recipient out-of-pocket. Medicaid in some states may leave allowances that are too small and many recipients are forced to go to a nursing home instead.

Alzheimer’s Disease and the Costs for Family Caregivers

Alzheimer’s disease burdens family caregivers until patients need more care than can be given at home. Long term care insurance provides the hope and security families can use to give Alzheimer’s patients the long term health care needed.

Choosing an Assisted Living Facility

Assisted living facilities provide more than just housing services. Learning what to observe and which questions to ask when visiting a assisted living facility or residential care facility can make your move and living situation more pleasant.

Ask these questions when visiting the facilities:

• What types of accommodations are offered?
• What types of services are available?
• Are the services provided by employees or contractors?
• How much input do residents have in their daily schedules and care?
• What is included in the rate? What services are extra?
• What social and recreational activities exist?
• What level of care does the facility provide? Will you have to move if you need more care later on?
• What is the facility’s licensing status? Ask to see a recent state licensing inspection report.

Useful Long Term Care Insurance Resources

Useful insurance and long term care health insurance resources by state.