What is Covered Under LTCI?

What is Covered Under LTCI?

Long Term Care Insurance covers in-home care providers such as caregivers, nurse aides, personal care attendants and home health aides arranged through a Home Care Agency that meets the insurance company’s requirements and follows their policies.  This type of assistance is ideal when your loved one prefers to remain at home and needs help with bathing, personal hygiene / toiletry, house cleaning, laundry, cooking, safety supervision (due to confusion, forgetfulness, Alzheimer’s or Dementia), shopping and other daily tasks.  These basic tasks are referred to as “Activities of Daily Living” or “ADLs”.

Note that Skilled Nursing Facilities, Memory Care and Assisted Living communities are also covered.  So are convalescent and nursing homes.  All of these provide medical assistance and help with activities of daily living.

Remember, LTC is not the same as regular medical care in that it will not treat an illness or seek to improve your overall health. Rather, the goal of LTC is to maintain the quality of your lifestyle as much as possible.

LTC providers make sure that you’re eating healthier meals, taking your medications regularly and as directed, getting you to the places you need to go, and maintain your hygiene. For those that suffer from severe disabilities such as Alzheimer’s, LTC can also provide quality home care from agencies like us at A-1 Home Care.

What About Medicare?

Medicare typically does not cover in-home health services or nursing home stays. Furthermore, did you know that putting your loved on in a nursing home can cost you upwards of $200,000 per year in different areas of the United States?

If you require long-term care services, costs like these can take away from your savings account relatively quickly. Long term care insurance on the other hand, can help protect you against these expenses, especially if your loved one can no longer perform Activities of Daily Living (ADL) on his or her own. Yes, it is costly, but it can also be beneficial for your mother, father or any other family member that you’re looking to get services for.

Get In Touch!

A-1 Home Care Agency is here to provide you with more information, answer any questions you may have, and create an effective solution for all your care needs.