Tag Archives: supplemental insurance

Senior Care Insurance

There are many types of senior care insurance, from long term care insurance to Medigap supplemental insurance policies.  Each can provide different levels of coverage for the needs that my come into play as and elderly loved one ages.

Long-term care insurance (LTCI).  As we get older and face the challenges of aging, many of us begin needing help with daily activities we’ve performed all our lives. Simple tasks like eating, dressing, bathing and simply getting around can become much more difficult and can rob us of our joy for living.  If you or a senior loved one winds up needing care in one’s old age, with a long term care insurance policy you’ll have the funds needed to pay for at-home nursing care, adult day care, residential care or one of hundreds of other types of senior aid.

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Senior Health Insurance Policy

With the recent health insurance reforms, one group that has been particularly impacted is senior citizens. For many, Medicare and Medicaid do not cover all expenses, and at an age when they cannot work, these Americans are researching the senior health insurance policy to make their medical decisions. There are different regulations and policies that can limit the choices senior citizens have and may cause complications in getting procedures approved without penalty. For this reason, senior health insurance policy must be researched before a senior citizen signs up for the service.

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Arizona Prescription Health Insurance For Seniors

You may want to enroll in a Medicare Part D prescription drug plan to help pay for your outpatient prescription drugs that neither Medicare A now Medicare Part B cover. Since Medicare Part D prescription drug plans vary from one location to another, there are several Medicare Part D prescription drug plans available to you or your aging loved one. You will need to know what plans are sold and which plan fits your needs the best. There are a few key things you should know about senior elder prescription health insurance.

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A Primer on Long-Term Care

When people consider the subject of long term care, they often think about nursing homes. In fact long term care has little to do with nursing homes. Understanding the difference can help you protect your family and your finances.

The Consequences of Living Longer

Long-term care is a continuum of care services and housing you will need when you live a long life. Do you think you won’t live a long life? Think back 25 years ago. If you had a stroke, cancer or heart attack, you simply died. Few ever heard of Alzheimer’s. Today it is the leading cause for long-term care services. The longer you live, the more likely you are to need care. The question is not who will take care of you, because your family will most often, but rather what will providing that care do to your family and finances.

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How Long Does Medicare Pay

Retirees and the elderly often wonder how long does Medicare pay for nursing home care as they plan for the future. Medicare benefits for nursing home care are only available under very limited conditions. Elderly Medicare patients looking to receive payment for skilled nursing or rehabilitation services will find that coverage time is very limited and requires fulfillment of many Medicare-specified conditions. Unfortunately, limited Medicare coverage for skilled nursing home care means that many seniors are forced to pay for their nursing home costs out of their own funding. The stress of figuring out the ins-and-outs of Medicare coverage for nursing home care can be difficult and confusing for families but there are many resources that can help seniors and their families discover the best monetary and nursing care options for their lives and health concerns.

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