long term care health insurance

Long Term Care Health Insurance

Long term care health insurance involves a variety of services for people with a prolonged physical illness, disability or cognitive disorder. Long term care health insurance differs from traditional medical care in that it is designed to assist a person to maintain his or her level of functioning; traditional medical care or service is designed to rehabilitate or correct certain medical problems that the individual experiences.

Following are brief descriptions of the major types of long-term care:

• Nursing homes offer care to people who cannot be cared for at home or in the community. They provide skilled nursing, rehabilitation services, meals, activities, assist with daily living, and supervision.
  


• Assisted living provides 24-hour supervision, assistance, meals, and health care services in a home-like setting. Services include help with eating, bathing, dressing, toileting, medicine, transportation, laundry, and housekeeping. Social and recreational activities also are provided.
  


• Home care can be given in your own home by family members, friends, volunteers, or paid professionals. This type of care can range from help with shopping to nursing care. Some short-term, skilled home care (provided by a nurse or therapist) is covered by Medicare and is called home health care. Another type that can be given at home is hospice care for terminally ill people.
  


• Community services are services that can include adult day care, meal programs, senior centers, transportation, and other services. These can help people who are cared for at home-and their families.
  


• Supportive housing programs offer low-cost housing to older people with low to moderate incomes. The Federal Department of Housing and Urban Development (HUD) and State or local governments often develop such housing programs.
  


• Continuing care retirement communities (CCRC) provide a range of services and care based on what each resident needs over time. Care usually is provided in one of three main stages: independent living, assisted living, and skilled nursing, depending on the situation.

If your are planning to purchase a low income health insurance plan, or more specifically a individual health insurance plan, or a group insurance plan, you can do it now online and can save a good deal of money. The online way of purchase is simple, fast, and reliable.