The government, both state and federal, is sending a strong message that it will not pay for Long Term Care for most Americans.
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LTC Insurance Blog
Simplifying the process of understanding Long Term Care, and helping you decide if Long Term Care insurance is right for you.
Many people assume Long Term Care insurance is meant to cover nursing home care only. This was true of the very first Long Term Care policies, but today’s policies have evolved to offer more options to policy holders, including Home Care. A good Long Term Care policy can actually allow you to stay in your home longer.
You may be able to buy a Long Term Care insurance policy that covers more than just one person, or more than one kind of Long Term Care service. The benefits these policies provide often are called “pooled benefits.”
Medicare Supplement insurance (Medigap) is private insurance that helps pay for some of the gaps in Medicare coverage, such as hospital deductibles and excess physician charges above what Medicare approves.