Caring for a loved one who is going through a prolonged medical battle is certainly no easy experience, but there are insurance solutions that Laurel Insurance Solutions offers here at our Hendersonville office. Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support services like personal and custodial care as opposed to immediate medical needs like surgeries, pharmaceutical drugs, and so forth.
Our Family-Owned Insurance Company Cares
At Laurel Insurance Partners, we care about the health and well-being of our clients and their families, and our long-term insurance care solutions are a great way to make sure that you can afford to keep taking care of the loved one in your life when they need it the most. Continue reading on to learn about a few myths as they relate to long-term care insurance, or learn more about our family-owned Hendersonville insurance company today. Let’s take a look.
Myth: I Can’t Afford Long Term Care Insurance
On the contrary, without insurance, you may actually have a harder time affording long term care services, because costs add up and things will get quite expensive very quickly. A long term care insurance plan can be designed to fit a range of personal budgets for you – something that our Hendersonville long term care insurance experts can help you navigate.
Myth: I Have Health Insurance, So Long Term Care Insurance Is Unnecessary
Health insurance is only concerned with the skilled or acute care that’s needed to return someone to good health. On the other hand, long term care is much more complicated, referring to the care or services that a person needs when they are unable to perform basic activities of daily living like bathing, dressing, eating, and so forth. Most long term care is due to a chronic illness and is typically progressive in nature with a growing need for care over time.
Myth: Long Term Care Insurance Is Only For The Elderly
The reality is that accidents and chronic illness can happen to anyone at just about any age and can include the need for extended custodial care. As such, the availability (and cost) of long term care insurance is primarily based on your health and age at the time of the application. In this case, planning ahead can pay off for you.
Myth: Long Term Care Only Covers Nursing Home Care
Actually, long term care insurance covers more types care than just nursing home facilities. In fact, long term care insurance provides you or your loved one with benefits for care in the following settings: your own home, adult day care, hospice care, assisted living facility care, and yes, also for a nursing home.
Get The Proper Care You Or Your Family Member Deserves
Long term care does the best that it can to provide people who have complicated, prolonged medical conditions with a better quality of life than they would otherwise have without the service of long term care. Our Hendersonville long term care services will work with you to make sure that long term care is a realistic and affordable option for your financial situation, regardless of your background. Don’t wait until your costs build up – get in touch with Laurel Insurance Partners in Hendersonville, NC today for long term care insurance services with a friendly and personal touch.