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Types of Long Term Care Insurance

Regardless of what some people mightthe full coverage plan of long term care
think, medical insurance will not coverinsurance. Custodial care includes
the expenses and services that long termdaily nursing care and nursing
care insurance covers.There are threeassistance walking, eating, bathing and
types of long term care insurance. Theother hygiene matters, and also includes
first plan is the skilled nursing care.colostomy and catheter use, as well.
It has to be ordered by a physician andCustodial care can be an in home care
the patient must be able to fullyplan, an assisted living care plan or a
recover form his or her illness ornursing home plan.
injuries. It involves a treatment plan,It can range from a few hours per week
skilled therapy with a licensedto 24 hours per day. The intention is
therapist and nursing care.Intermediatethat the patient will not be able to
nursing care is another type of longrecover from their injuries or
term care insurance. Likes skilledillnesses.Studies how that 40% of the
nursing care it must be ordered by apeople who receive any type of long term
physician and the patient must be ablecare services are under the age of 65.
to recover from their illness or injury.Studies also show that there is a 50%
Unlike skilled nursing care,chance that a person will need some type
Intermediate nursing care is notof long term care service after the age
provided on a daily basis. It depends65.Long term care insurance is right for
on what treatment and therapy plan thtmany people, but if you are in the
the doctor has ordered. It is basicallyposition that you can pay for your care
a prescribed as needed to get wellwith assets then long term care
plan.The custodial nursing care plan isinsurance might not be the best idea.



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