Do you know that long-term care insurance costs are not covered by Medicare or Medicaid?
Long-term care insurance (LTC) helps provide for the cost of long-term care that is generally not covered by health insurance, Medicare or Medicaid. LTC insurance covers non-medical services for individuals who are unable to perform basic activities of daily living (ADLs) such as dressing, bathing, meal preparation, toileting, continence, transferring from one location to another and medication reminders.
Do you know that a non-medical home health agency can help plan for LTC?
A home health agency can provide private duty cargiver services and assist individuals with initiating there LTC (long-term care) claim for ADL needs. AA Care Services has had a 100 percent success rate in getting the claim paid. Benefits and deductibles of an LTC policy are critical at this point, as this will determine whether you can afford the at-home care needed.
Consider more than just the cost of the monthly premium!
When shopping for an LTC policy, individuals usually consider the monthly premium cost. This is short-sighted. Costs for ADL services can quickly deplete individual and family savings while variable deductible day periods are met.
What do you recommend?
AA Care services recommend that you purchase an LTC policy that pays you the highest amount paid per day with a built-in inflation rider. As you age and your health, mental and functional abilities decline, you will be so thankful that you do not have to worry about where the money will come from to pay for your care needs at home or in a retirement community.
Helen Trowsdale, President of AA Care Services, is a nurse administrator with over 30 years of experience as a BSN, psychiatric nurse, and geriatric care manager with adults as well as pediatrics in hospitals, private duty home health care agencies, and residential home health care. Her team of caregivers are dedicated to serving their clients with home care in San Antonio, New Braunfels, and Austin; providing clients with consistent, quality care while minimizing the number of caregivers in the home. Learn more about AA Care Services.
Posted by Helen Trowsdale, BSN, AA Care Services on 8th October, 2015 | Comments | Trackbacks | Permalink
Tags: home health, home care, senior care, senior services, elderly care, in home senior care, private duty home health agency, Helen Trowsdale, San Antonio, New Braunfels, Austin, long-term care insurance, Medicare, Medicaid, activities of daily living, dressing, bathing, meal preparation, toileting, continence, transferring, medication reminders, caregivers, premiums, retirement community, insurance policy