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Most individuals who have health insurance seldom think of what would happen if life was affected by a long-term disability or illness. Will health insurance cover costs of care?
Long-term care insurance is a type of insurance that is often separate from a standard health insurance plan. While this type of insurance can cover any age group, it is typically associated with seniors and older adults who may need assistance as they become less able to care for themselves as they age. As one of the trusted and licensed Boca Raton home care providers that accepts long-term insurance, we wanted to share some information about how this type of insurance can help families ensure that mom or dad’s care needs are met as they enter their golden years.
Long-term care insurance was designed to help take the economic burden of paying for long term care, minimizing out-of-pocket costs for the senior or their family, while also helping to protect any assets the senior may have. Buying this type of policy should be considered before there is an actual need, as premiums will usually be lower and there will be a reduced chance of being denied coverage or have a waiting period before the insurance begins to pay.
There are several different long-term care policies with varying types of coverage and premiums; check with your insurance agent to choose the one right for your loved one’s current abilities, needs and individual situation. Agents are trained in explaining exactly how long-term care insurance works and what can be expected. Some policies pay all expenses of home health care, including Boca Raton hourly home care and live-in home care. There are also policies that reimburse what has been spent – you pay the cost, then apply for reimbursement with the insurance company.
It can be hard to face the reality of a parent or loved one’s increasing needs, however with the proper planning, you can enjoy peace of mind that they have the financial stability and support to age in place with comfort and dignity.
If you have an aging parent or loved one who requires long-term care as the result of a disability, illness or advanced condition, reach out to Home Care Assistance of Boca Raton today. Along with providing advanced stroke, post-hospital, Parkinson’s and dementia care for Boca Raton seniors, we also accept long-term care insurance. For more information or to request a complimentary, no-obligation consultation, reach out to a friendly Care Manager at 561-826-9282.