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Understand How To Pay For Long-Term Care

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According to the Medicare Handbook:

Long-term care is non-medical care for people who have a chronic illness or disability. Non-medical care includes non-skilled personal care assistance, like help with everyday activities, including dressing, bathing, and using the bathroom. At least 70% of people over 65 will need long-term care services at some point. Medicare and most health insurance plans, including Medicare Supplement Insurance (Medigap) policies, DO NOT pay for long-term care, also called custodial care.

So how do you pay for long-term care if it’s not covered by Medicare?

Long-term care insurance

If you're worried about the cost of long-term care, you may be relieved to know that private insurance can help cover some of the expenses. Long-term care insurance is designed to pay for both skilled and non-skilled care, ensuring that you can receive the assistance you need in the future.

If you're interested in learning more about long-term care insurance, you should speak to an insurance agent. They can provide you with information on the types of coverage available, as well as the costs associated with each policy.

Sincere Care is a Long-term care provider we accept long-term care insurance, private pay, and other private options. Which ever way you decide to pay for your long-term care, we promise to make it affordable, just give us a call to talk to one of our knowledgeable care managers. 626-398-2098

Personal resources

You can use your own resources to pay for long-term care. If you have a life insurance policy with a cash value, you may be able to use that money to cover long-term care expenses. It's important to note that not all life insurance policies have this option, so it's essential to speak with your insurance agent to determine if your policy has this feature. Another way to pay for long-term care is through a trust or annuity.

Other private options

Certain private insurance plans may also cover long-term care. For example, VA insurance, Railroad or Steelworkers health plans, and some other private insurance plans may include coverage for long-term care.

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