HC411R - Long-term
This is Healthcare 411. It’s better to think about long-term-care insurance
before you need it. More after this
I’ve just been to my doctor and he’s ordered lots of testsblood work,
Why? Is everything okay?
That’s just it, I don’t really know the whole story.
One of the most
important things you can do for your health is ask questions. Be an active
and informed member of your health care team. Remember, your health care is
about you. Get the brochure Be Prepared for Medical Appointments at
ahrq.gov/consumer. A message from the U.S. Agency for Healthcare Research
is Healthcare411. Most of us think long-term care is something we might
need only when we’re much older, but the need can arise regardless of age.
AHRQ Director Dr. Carolyn Clancy.
Most people think that long term care is for older frail people who need
round-the-clock care or for people with dementia. But long-term skilled
nursing care can also help younger people recover from a serious illness and
can include speech, physical therapy and related types of care.
And it’s not just nursing home care.
You can receive long-term care in a nursing home or a rehabilitation
facility or your own home. But regardless of the location, long-term care
can be very expensive. A long-term-care insurance policy you get when
you’re healthy may help make services much more affordable later.
What should we know when considering long-term care insurance?
Long-term care insurance is not a part of your regular health insurance and
will have a separate premium. Your age and your health status will
determine the rates or even whether you’re eligible. And no plan will pay
100 percent of your long-term health expenses. This is a field that’s
evolving rapidly so it’s important to pay attention to the details.
Rand: For more
information, get the booklet Questions and Answers about Health Insurance,
available at ahrq.gov/consumer. I’m Rand Gardner. Healthcare 411 is
produced by the Agency for Healthcare Research and Quality, part of the U.S.
Department of Health and Human Services.