THE LONG AND SHORT OF EXTENDED CARE INSURANCE

 


My Services are no charge to you. Insurance companies pay me a commission to help you select a plan  which best meets your needs and budget.


REASONS WHY SOMEONE MAY NEED SHORT OR LONG TERM CARE

  • Eventually, we all need some type of "HANDS ON CARE".
  • At any age, a person could need some hands on care at home or at a rehabilitation center due to a sports injury, car accident, memory loss or just getting older and may need assistance due to balance issues.   
  •  Health Insurance nor Medicare  pays for this type of care.
  • A care plan at any age is a gift to your family members.  This changes their role from one of a caregiver to one of a care manager. Would you rather have your family struggling to perform your care  or standing by while a caregiver  performs the work of taking  care of you.
  • Ask your loved ones, "How much  are you looking forward to bathing me, lifting me out of bed, helping me use the bathroom, dressing me and  feeding me, if I need this type of help?"

CURRENT RATES FOR CARE

  • Care at your  home for non-medical care is $20-$25 per hour.  Some examples of non-medical care are  for assistance with transferring out of bed, bathing, toileting, dressing, showering, managing medications, along with care for Alzheimer or Dementia.
  • Wound care, injections and other medically necessary care is currently  $30 per hour.  Your health insurance possibly could pay for some of this care, but, most plans have limits on number of days per illness or maximum limits on costs of care.
  • Rates at a Short Term Care community (20 days or less) are currently $300 per day.  
  • Monthly rates at a Long Term Care community are $7000 to $10,000 per month depending on care needs. 


HOW DOES SHORT TERM CARE INSURANCE HELP YOU


  • Affordable premiums because benefit periods are usually less than 365 days of coverage. 
  • Shorter elimination periods up to 0 day elimination before benefits start.








Insurance Companies I RePRESENT

 

  • AARP
  • Aetna
  • Anthem Blue Cross
  • Bright health
  • Cigna
  • Combined
  • CSI and CSI Life
  • GPM Life 
  • Humana
  • John Hancock
  • Kaiser Permanente
  • Liberty Bankers Life
  • Lincoln Financial
  • Mass Mutual
  • Medico
  • Mutual of Omaha
  • Nationwide
  • One  America
  • SilverScripts
  • Trans America
  • United Health Care