Specialized care needs
Short and long term care coverage can help when you need specialized care that is not typically covered under Medicare plans.
SHORT/LONG TERM CARE
Coverage for care needs Medicare may not fully handle.
Short and long term care insurance can help if you ever need specialized care. This type of care is not typically covered under Medicare plans.
Long term care coverage can help with costs connected to medical and non-medical needs, including assisted living, home healthcare, or nursing home care over an extended period of time.
WHY IT MATTERS
Care needs can be medical, practical, and long-lasting.
When someone needs help recovering, living safely at home, moving into assisted living, or receiving nursing home care, the costs can add up quickly.
Home healthcare
Coverage may help with certain care needs provided in the home, depending on the policy and eligibility requirements.
Assisted living
Long term care coverage can help with costs connected to assisted living when ongoing support is needed.
Nursing home care
Policies may also help with nursing home care costs for people who need a higher level of ongoing support.
CARE PLANNING
Short-term and long-term needs are not always the same.
Short-term care planning may focus on recovery, rehabilitation, or a temporary need for additional help. Long-term care planning is usually about support needed over a longer period of time.
Either way, the goal is to help prepare for the care setting, cost exposure, and type of assistance that may be needed.
Assisted living
Home healthcare
Nursing home care
Recovery or rehabilitation support
Help with medical and non-medical daily needs
WHAT WE REVIEW
Policy details can make a big difference.
Care coverage is highly dependent on the policy. A licensed agent can help explain what is covered, what is excluded, and how the benefits work before you rely on it.
- Current health and care planning concerns
- Whether you are looking for short-term recovery help or longer-term care planning
- Preferred care setting, such as home care, assisted living, or nursing home care
- Monthly budget and desired benefit amount
- Elimination periods, benefit periods, and policy limitations
- How the coverage coordinates with Medicare and other insurance
IMPORTANT
Medicare is not a full long-term care plan.
Specialized care, assisted living, home healthcare, and nursing home care may not be fully covered by Medicare. Reviewing coverage early can help families plan before a care need becomes urgent.