Commonly asked Long-Term Care Insurance Questions Answered
Q. Will my family care for me?
Many people assume that family members will take care of them if they need long-term care. However, even the most dedicated family members will not likely be available 24 hours per day, seven days per week for a long period. Having a long-term care plan in place can help cover the cost of receiving care at home when family members are away. Long term care also can make it possible for you to receive daily care without having to rely on family or friends. With LTCI coverage, you can make decisions that are right for you and your family. In some cases, an LTCI contract may pay for the training of a family member to provide care.
Q. Will Medi-Cal/Medicaid, Medicare or health insurance cover my long-term care needs?
Long-term care is different from other health care and is not typically covered by health insurance, Medi-Cal, Medicare or Medicare supplemental policies. Medicare and Medi-Cal cover very limited long-term care services. Medicaid and Medi-Cal are only available for low-income recipients. Medicare benefits will be exhausted after 90 days of care for qualifying medical events.