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- Q Can everyone get insurance for long-term care?
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Not everyone qualifies for long-term care insurance. For instance, if you have certain health conditions such as metastatic cancer or Alzheimer's disease, you may not be able to get long-term care insurance. However, it still might be worth checking with... Full Answer
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- Q What services does home-based healthcare assistance cover?
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In-home assistance provides different types of skilled or non-skilled nursing care, physical therapy, and home health aides. These health care professionals and aides help with activities of daily living (ADL), including bathing, dressing, cooking and... Full Answer
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- Q How much does in-home assistance coverage cost?
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In-home assistance coverage can cost just under $100 a day for a health care assistant to check on you and give you medications to hundreds of dollars a day for 24/7 care. A special long-term care insurance policy can help pay for some types... Full Answer
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- Q Where can I buy long-term care insurance?
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You can purchase long-term care insurance from most insurance agents or financial planners. You can contact your state's Department of Insurance to learn more about the type of coverage that is available to you. Sometimes a large employer will offer... Full Answer
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- Q Is a long-term care plan a supplemental insurance?
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Supplemental insurance policies include long-term care (LTC) plans. Long-term care plans provide financial coverage for individuals who need (or believe they will need) ongoing care for a disability or a medical or mental health problem. Long-term care... Full Answer
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- Q Are there limits with long-term care insurance?
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Like all insurance, long-term care insurance has some limitations. When you initially select your plan, you will make decisions on how the money will be paid at the time you need it. For example, you may want the insurance plan to cover 50 percent of... Full Answer
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- Q How can I continue my existing health coverage through COBRA?
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You can continue your existing health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA) by letting your employer know you want to continue health coverage. COBRA is temporary and you must pay the full premiums. If you lost your... Full Answer
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- Q What happens to my health insurance coverage if I lose my job?
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If you lost your job, you may be able to continue your health coverage under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and Consolidated Omnibus Budget Reconciliation Act (COBRA). You can enroll in your spouse’s plan or... Full Answer
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- Q How do I choose between group health plans?
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Before picking your health plan, you should review the plan materials thoroughly to determine which one best fits your needs. A few things to consider: - Is your current doctor and hospital listed in the plan’s network? - Does the plan cover... Full Answer
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- Q What is a “self-insured” health plan?
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A "self-insured" health plan is one where your employer pays for the plan from its own pocket. An insurance company usually administers the program, but the liability for paying for covered health care services rests on the employer. Self-insured... Full Answer
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