When planning for the future, sometimes it is important to consider needs you may have for long-term services and supports. These could include personal and custodial care in your home, a community organization, or a facility. Long-term services are related to daily living activities such as bathing, dressing, or eating or can even includes skilled care that's provided by nurses, therapists or other professionals.
It is important to understand that standard employer-based health coverage does not cover daily, extended care services. In addition, Medicare has limited coverage under very strict conditions. The solution is to purchase long-term care insurance to help cover these expenses.
Know Your Options
When considering a Tennessee long-term care insurance policy, there are a number of options and benefits from which you can select. You can select a range of care options and benefits that allow you to get the services you need, where you need them. Since you can't predict what your future long-term care needs will be, you may want to buy a policy with flexible options.
It is important that you consult a professional who can help you navigate your choices. This includes not only the care options and benefits but also the cost of a long-term care insurance policy. It is based on several factors. In addition, if you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance, may only be able to buy a limited amount of coverage, or may have to pay a higher “non-standard” rate.
Our Staff Can Help
As an independent insurance agency, our responsibility is to you, our customer, not a big insurance company. We will help you understand all your long-term care options so that you can make the best decision.
If you have any questions or would like a free quote, click the button below today.