Long Term Care Insurance
by Tim Gorman
In the early 1980s Medicare started using a system called the diagnosed
related group of guidelines for advance payments to hospitals. This has really
given hospitals authority and incentive to discharge patients very soon after
admission to the hospital. The hospital gets paid the same whether the patient
is in 3 days or 6 days. So the hospital can make more money if they free up the
bed space for the next patient. The problem this has caused is that nursing
homes have become the recovery place for these patients that were not ready to
go back to their homes. The problem with this is that Medicare only pays up to
21 days of skilled nursing care. Therefore, if a patient is not recovered after
the 21 days in the nursing home, then the funds come out of the patients estate,
provided they have one. Needless to say, it does not take long to eat up ones
estate at the nursing home rates.
Insurance companies have just in the last decade recognized this problem and now
are offering Long Term Care Insurance. The long term insurance rates vary by
geological location, as well as state and local regulations. The premiums are
costly, however, a person has to weigh out the advantages and disadvantages to
purchasing long term care insurance.
Many people assume that their healthcare provider will cover long term care.
Unfortunately Health care insurance covers medical bills, hospital bills and
some prescriptions. They do not cover nursing home expenses. The same rule
applies for Medicare. Medicare will pay for skilled nursing home care only for
patients that are able to fully recover from their injuries or illnesses. Then
the myth is that a person can always fall back on Medicaid, but Medicaid is for
the people who fall under the low income guidelines and have little or no
assets.
If a person can afford long term care insurance, it is highly recommended that
they purchase it when they are young, as the rates are substantially lower.
Timothy Gorman is a successful webmaster and publisher of
Best-Free-Insurance-Quotes.com. He provides more insurance information and
offers
discount auto insurance, life and home insurance that you can research in
your pajamas on his website.
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