Home Health Care :
What would you do if, tomorrow
morning, you woke up and couldn't get out of bed on your
own or you needed help taking a bath, getting dressed
or feeding yourself? Have you and your family prepared
for the emotionally and financially devastating cost of
receiving Long Term Care? If you haven't, now is the
time.
Advances in Medical Technology and changes in lifestyle
have resulted in our living healthier and longer lives
than any previous generation. This lengthening of our
lives span also means we are more likely to require some
form of assistance with bathing, walking, dressing or
eating commonly referred to as activities of daily living,
at some point in our lives. This assistance, which may
last a few weeks, months or several years, has become
known as Long Term Care. The Health Insurance Association
of America currently show nearly 3 to 4 people turning
age 65 will require some type of care at home.
Unfortunately, many Americans are unaware of the financial
risks associated with needed Long Term Care. Many incorrectly
believe their traditional health coverage, Medicare, Medigap
Insurance and most HMO's, will cover the cost of care
at home. However, these types of coverage are typically
designed to provide benefits to cover the cost of acute
care services, such as hospital stays and short term skilled
nursing care. They may not cover the cost of most lower
levels of care/assistance needed in your home.
Long Term Care continues to evolve and adapt to our ever-changing
needs and there are now many ways we can receive help
when we need care/assistance, A Home Care Insurance
Policy, pays for you to receive quality care in the comfort
of your own home. This care can be provided by friends
and family members, homemakers, personal caregivers, and
licensed practitioners. Most importantly, it allows you
to preserve your independence and quality of life, which
give you the freedom to be you.
| Companies: |
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Prudential |
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Life Investors |
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Great American |
|
United of Omaha (Mutual of Omaha) |
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Penn Treaty Network American
Life |
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MED America |
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