| Top 20 Metropolitan Areas |
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- New York, NY
- Los Angeles, CA
- Chicago, IL
- Houston, TX
- Phoenix, AZ
- Philadelphia, PA
- San Antonio, TX
- San Diego, CA
- San Jose, CA
- Detroit, MI
- San Francisco, CA
- Jacksonville, FL
- Indianapolis, IN
- Austin, TX
- Columbus, OH
- Fort Worth, TX
- Charlotte, NC
- Memphis, TN
- Baltimore, MD
- Boston, MA
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What Long Term Care Insurance Covers |
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| Long Term Care Insurance has been developed for persons who are no longer able to complete many of the basic tasks of day-to-day living and who require assistance long term or for a length of time that exceeds the time a normal health insurance policy would cover. These policies can cover in-home care as well as assisted living in a facility. This type of insurance generally offers coverage that would not be included in a regular insurance plan or Medicare. As you start getting older, you may want to evaluate your health condition to determine what kind of long term health care you feel you may need down the road. A really good way to start the process is to look at what kind of assistance your parents or grandparents required, if any, and to see whether their ailments are hereditary or not. Not everyone will benefit from a Long Term Health Care Insurance policy, so learn all you can about the premiums and benefits before you decide what type of plan to choose and when to obtain a policy.
There are many choices when it comes to selecting a Long Term Care Insurance plan. These choices range from daily benefit maximums, hospice vs. at home care, to selecting a plan with unlimited resources. For more specifics on the different benefit and coverage choices that are available, visit the US Department of Health and Human Services.(http://www.longtermcare.gov)
What Long Term Health Care Insurance Can CoverThis type of coverage can cover an abundance of services and assisted living devices including, but not limited to:
- Special care live-in facilities (i.e. nursing homes, Alzheimer centers, assisted living)
- Therapy (physical, speech, rehabilitation, occupational)
- Hospice or respite care
- At home nursing care including personal care (i.e. bathing, dressing, moving, using the bathroom)
- Meal preparation/housekeeping
- Home monitoring systems
- Transportation to/from doctor’s offices or therapy
- Home modifications (i.e. installing ramps, bars, handles for easier living)
- Adult Day Care centers
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