Long-term care comprises of medical and non-medical care for people suffering from chronic illness or disability. Long-term care provides support and assistance to them in services of daily lives like dressing, bathing and using the bathroom also termed as custodial care. This type of care can be rendered at home, in the community, or in nursing homes. This type of care may be needed by a person at any age.
It has been predicted that by 2020, 12 million older Americans may need long-term care. Long-term care insurance can vary widely. Some policies may cover only nursing home care and others may provide coverage for services, like adult day care, assisted living, medical equipment, and informal home care. Most health insurance plans like Medicare Supplement Insurance or Medigap policies do not pay for custodial care. Medicare bears the cost only for medically-necessary skilled nursing facility care or home health care if you meet certain conditions.
Long-term care is provided at home, in the community, in assisted living, or in a nursing home. Planning for long-term care gives you independence and ascertains that you get the required care in future. It also makes you secure in case of such medical situations where you may need help and support.
For more information please visit us @ www.medigap4seniors.com, or call us at 888-502-5553 to speak with one of our Medicare experts.