Health Insurance California >> Long Term Care >> Long Term Insurance Coverage

Long-Term Insurance Coverage

Long-Term insurance covers any of the following:

1. Care in a Facility that is not an acute-care hospital. Some of the terms used to describe these “facilities”, which could provide long-term care services including nursing homes, Residential Care Facilities for the Elderly (RCFE) often known as Assisted Living Facilities, convalescent facilities, extended care facilities, custodial care facilities, skilled nursing facilities or even personal care homes.

2. Home Care includes Health Care, Personal Care, Homemaker Services, Hospice Services or Respite Care. (Some Hospice and Respite care could also be received in a facility like a nursing home).

3. Community-Based Care such as Adult Day Care or the Hospice Facility Care.

In California, only 3 categories of long-term insurance coverage policies could be sold. Each policy is labeled as:

a. Nursing Facility and Residential Care Facility Only. These long-term policies cover skilled, intermediate, or custodial care in a nursing home or other similar facility. These policies also pay for assisted living in a Residential Care Facility for the Elderly (RCFE) but only Home Care is not covered.

b. Home Care Only. These long-term care policies are required to pay for: Home Health Care, Adult Day Care, Personal Care, Homemaker Services, Hospice Services and Respite Care but care in a facility is not covered.

c. Comprehensive Long-Term Care. These long-term care policies pay for nursing facility care, assisted living care in an RCFE, and home and community care. These policies normally include at least 8 benefits: a nursing home benefit, an RCFE benefit for assisted living, and the 6 home care benefits: Home Health Care, Adult Day Care, Personal Care, Homemaker Services, Hospice Service and Respite Care.

For more informations on our services contact insurance brokers John Good | Kelly Good