Things Long Term Care Policies Do Not Cover

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Most long term care policies available nowadays are very comprehensive. Usually, these policies cover health care and assistance services in a variety of LTC setting. However, such policies do not offer full coverage – not one does. Each and every policy has exclusions which adhere to state regulations, and to help you identify which scopes these guidelines do not cover, here are a few to mention.

Most long term care policies only focus on the costs of services and service providers that someone needs when they are no longer capable of performing their daily activities or where they have cognitive impairment. They do not pay the treatment or services related to these needs, such as hospital stays or prescription medications.  But, in some cases and with other policies, they may pay for prescription drugs provided at the time of treatment and transportation for medical visits particularly when the individual is physically or cognitively impaired.

Also, most policies require that the assisted living facility or nursing home providing you care, must meet specific standards covering quality, safety and training. Otherwise, it would not be covered at all. There are states which do not require licensing, but in such cases, the insurance just describe the staffing, safety and other features that are present in order to check you get proper treatment and security.

LTCi policies also do not cover services which benefits are available under Medicare or other government program. And, care or services to a family member, unless the family is a regular employee of an organization which provides care, service or treatment, and the organization they work for receives payment processing, service or treatment, and family members do not receive no compensation other than the normal compensation for employees of his profession.

Regardless of all these, the good news is, there are still some policies which provide coverage for care related services up to daily household needs like cleaning, laundry, meals, and managing medications. But, these are only accepted only when you receive assistance under the aid paid by a service provider in activities of daily living. Consequently, most policies do not pay as well as help at home if you need help, like cleaning, meals, laundry, and transportation.

Plus, even though most policies do not pay for the care you receive from a family member, friend or a relative who is not paid to give your care, there are still some insurance policies which provide cash payment for each day you receive care from anyone. And, they provide training support to the people who will provide you with care. But, the disadvantage to such policies is they are more expensive compared to the usual ones.

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Source by SweetSoul

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