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 Benefits of Long Term Plans
In the United States, Medicaid usually does not cover long term care provided in a home setting. Nor does it pay for assisted living. Medicaid provides medical facilities and necessary services to people of low income group or people with limited resources who require nursing home care but can remain at home with special community care services.
In home care package, long term care insurance pays for home care including paying for a live-in caregiver, companion, housekeeper, therapist or private duty nurse up in 24x7 environments. Assisted living is paid for by long term care insurance as is adult daycare, respite care, hospice care, etc. It also helps to pay expenses for caring an Alzheimer's disease patient.
The benefits of long-term care include:
- Protect savings and investments
- Benefits paid from long-term plans are generally excluded from income
- Preserve one’s personal freedom to choose where and how to receive long-term care services
- Pay for home care, whether provided by family and friends or through professional home care organizations
- Cover care received in Adult Day Care, Assisted Living Facilities, and Nursing Homes
- Nurse Care Advisors dedicated to offer members ongoing counsel and support during benefit eligibility
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