 THE
NEED FOR LONG-TERM CARE INSURANCE:
Another Gap in Medicare...
Medicare was designed to
cover an individual's need for short-term medical care and treatment.
It does not cover the need for long-term custodial-type care.
The skilled nursing facility (SNF) benefit is as close as Medicare
comes to meeting the long-term care need. However, Medicare
defines the SNF benefit narrowly so that the Medicare program
pays only a small percentage of the nation's total nursing home
bill and will not pay anything for care that is strictly custodial.
Individuals may want to consider purchasing long-term care insurance
to protect against the need for long-term care, whether that
care is delivered at home, in a nursing home or in some other
facility.
| Unfortunately,
most group health insurance plans, individual Major Medical
programs, and Medicare do not cover Long-Term Care services.
Consequently, any type of extended care will often place
an emotional and financial burden on both the individual
and their family members. |
We all hope that it will never happen to
us. The fact is that 60% of the nearly 15 million Americans
currently receiving Long-Term Care in a facility or at home
are women between the ages of 50 and 75. Nearly one-third
of American households (30) million are involved in caregiving
to relatives and friends.
Today's Long-term Care plans are the bridge that helps keep
people out of nursing facilities by providing benefits for assisted
living care, community care, and all levels of care in your
home. Maintaining our independence and dignity while receiving
the haughtiest quality care is something we all need. The
Freedom to choose where and how you are cared for will give
both you and your family members great peace of mind.
The earlier you arrange for protection, the less it will cost.
There is now a special discounted premium rate that makes
Long-Term Care protection more affordable than ever.
Good benefit plans can cost less than $50 per month and even
consider people with pre-existing health conditions.
Mature Health Services offers coverage by the world's largest
and highest rated insurance companies trusted by millions of
people. We at Mature Health Services have helped thousands of
families protect themselves from the greatest risk which Americans
over the age of 50 face... Long-Term Care.
LTC Insurance Can Help
LTC insurance can provide coverage
for many nursing home confinements, home care services or care
in a variety of facilities, none of which are covered by Medicare
or Medicare Supplement policies.
| Companies: |
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Bankers United Life |
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Great American Life Ins. Co. |
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Life Investors |
|
Prudential Financial |
|
|
Mutual of Omaha |
|
United of Omaha |
|
|
Penn treaty
Network America |
|
MED America |
|
|
Prudential |
|
Great American |
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