Fill out some basic information and one of our Licensed Sales Agents/Producers will contact you.
There are different types of long-term care. Long-term care refers to a broad range of medical and personal services designed to assist individuals who have lost their ability to function independently. The need for this ongoing care arises when you have a chronic disability or when physical/mental impairments prevent you from performing certain basic activities, such as feeding, bathing, dressing, transferring, and toileting.
Some long-term care insurance policies will subsidize only certain forms of long-term care; therefore, it is important to understand the accepted terminology. Long-term care may be divided into three levels:
*Please note that the above terms may be defined differently by other sources.
Although long-term care can be provided in a number of places, long-term care insurance policies sometimes limit the facilities where you can choose to receive long-term care. Most long-term care is provided at home, but may also be provided by community service organizations and in long-term care facilities.
Some long-term care takes place in nursing homes that provide custodial care primarily, but many can provide skilled care, intermediate care, and custodial care. When a patient no longer needs skilled care, for instance, he or she can be transferred to an intermediate or custodial section within the same facility. Nursing homes provide 24-hour care and can usually offer a great range of care, including intravenous therapy and physical therapy.
Home health care makes particular sense when you're recovering from an injury or illness and don't need 24-hour care. It also makes sense when the type of care you require is custodial. Home health care is most often provided by a visiting nurse, therapist, or home health aide. Often, several visits to your home are made each week to provide you with the appropriate care. Home health care can include a wide range of services, including, but not limited to, respiratory therapy, cleaning and bandaging of wounds, monitoring health, and assistance with bathing and dressing.
Adult day-care centers provide care in a group setting for aged or disabled people who live at home, and/or may need help with the basic activities of daily living due to physical or mental impairment. Often, these people live with a relative who works and cannot take care of them during the day. Adult day-care centers usually provide an elderly person with social interaction, therapeutic activities, preventive health services, and nutritional meals.
Hospice care is quality compassionate care for those terminally ill patients nearing their end of life. Hospice can take place in a care facility that provides comfort and care, or it can be administered in the home.
Respite care provides some time off for the caregiver (usually a relative) who regularly provides care for an elderly or disabled person. It can be offered in a local community center, nursing home or at home through the services of a home health aide.
Questions about Medicare? Medicare.org’s information and resources can help make it easy to find the quality and affordable Medicare plan that’s right for you. We offer free, accurate comparisons for Medicare Advantage (Part C), Medicare Supplement (Medigap), and Medicare Prescription Drug (Part D) Plans.
MULTIPLAN_GHHK3T9EN_AcceptedMedicare.org is a non-government site and is operated by HealthCompare Insurance Services, a licensed health insurance agency certified to sell Medicare products. It contains information about and access to insurance plans for Medicare beneficiaries, individuals soon eligible for Medicare and those advising on behalf of Medicare beneficiaries. Medicare.org is not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.
If you're looking for the government's Medicare site, please navigate to www.medicare.gov.
HealthCompare Insurance Services, Inc. is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and Medicare Prescription Drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
Limitations, copayments, and restrictions may apply. Benefits, premium and/or copayments/coinsurance may change on January 1, of each year.
The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please click on the carrier’s link below.
Blue Cross Blue Shield - Illinois
Blue Cross Blue Shield - Montana
Blue Cross Blue Shield - New Mexico
Blue Cross Blue Shield - Oklahoma
Blue Cross Blue Shield - Texas
Blue Shield of California
Capital Blue Cross
Cigna Health Spring
Premera Blue Cross
Scott & White
Vibra Health Plan
Last Revised 11/15/2017