I have a long-term care policy. Now what?

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The decision to purchase a long-term care policy in South Florida is a prudent one, especially if you choose the correct Home Health team. But let’s face it: Insurance companies aren’t clamoring to make payouts, so it’s essential that residents of Miami, Ft. Lauderdale, Boca Raton, West Palm Beach and our surrounding areas know precisely what they’re paying for.

MIND & MOBILITY Home Care Centers experts want to alert consumers to some of the potential pitfalls of failing to understand what benefits exist in a long-term care policy and which ones don’t. Some helpful tips below:

  • Choose based on your needs, not the needs of the sales representative. Insurers are required to deliver a “Coverage Outline,” which provides the requisite description of what you may expect to receive. Terms, benefits and policy exclusions must be clearly stated.
  • HOME HEALTH CARE COVERAGE OFTEN VARIES: Some policies pay benefits only for skilled nursing care administered in home by physical therapists, registered nurses, certified nursing assistants, occupational therapists and/or speech therapists.
  • Does the policy provide the services which you need? Some policies only assist nursing home patrons. Others, may provide both home care and nursing home services. Or assisted living. These are important distinctions to be made, otherwise, valuable dollars could be wasted.

MIND & MOBILITY can provide quick answers to these types of questions, as this South Florida home care company has guided many down a clear path to thriving independently at home, longer. The value is unprecedented compared with other home care outlets, assisted living centers or nursing homes. Statistically, we know that those who remain in their homes live longer, healthier lives than those in institutional living arrangements.

The financial consideration simply can’t be ignored, either. Those who elect home care, with the correct long-term care policy could save in the $150 per day range, for happy home care clients.  MIND & MOBILITY improves client levels of functioning, rather than providing babysitting services. (Click here for a grateful client testimonial).

Call 800.650.5289 for your free consultation! Long-term care coverage can be so very confusing. Our guides provide you the answers you need, so that you can stop worrying and start living!