Everyone who applies for insurance is not guaranteed that they will receive an insurance policy. Your chances of being accepted depend on your health. However, several insurers will accept people with health problems but will charge them more or offer slimmer benefits. Some insurance policies, along with Medicaid and Medicare, only cover certain areas in home care or nursing home care. The majority of policies are restrictive, particularly in the area of custodial care, the kind most people are likely to need.
Custodial care includes bathing, personal grooming, dressing, and sometimes meal preparation.
That means policyholders must obtain services from providers that meet qualifications set by the insurance company. The expenses keep climbing at least 5.5 percent a year. Part A of Medicare partially defrays the cost of a stay in a skilled nursing facility, which is one that provides intensive medical care. But most people with long-term disabilities, such as strokes or Alzheimer's disease, require only custodial care which Medicare does not cover at all. Most people envision home care as someone coming to a person's house to perform custodial duties.