Health Savings Associates Insurance Services Inc
Individual and Family Health
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Long Term Care

People are living longer these days. That’s the good news, but there are higher risks of health complications. It is likely that most people who turn 65 in 2013 will, in their lifetime, need some form of long-term care. Unfortunately, ordinary health insurance policies and Medicare usually do not pay for long-term care expenses. Long Term Health Care Insurance protects you, as well as those you love, in the event that extended health care is needed in your lifetime.

Long-term care insurance typically covers the cost of:

  • Help in your home with daily activities like bathing, dressing, eating and cleaning.
  • Community programs, such as adult day care.
  • Assisted living services that are provided in a special residential setting other than your own home. These services may include meals, health monitoring, and help with daily activities.
  • Visiting nurses.
  • Care in a nursing home.

Should I buy long-term care insurance?
If you need long-term care services and have to pay to obtain them, what financial resources could you call on? Do you have enough to pay for four or more years in a nursing home, an assisted living facility, or home health care? If you’re over 65, don’t rely on Medicare or private health insurance. Medicare doesn’t pay for custodial care, and private health insurance rarely pays any of the cost of long-term care.

Long term care helps you face the future with confidence.

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