Other plans offer both nursing home and home health care under one basic plan, providing a pool of benefits to cover expenses wherever care is provided. Long Term Care Long term care is care provided for persons with chronic disease or disabilities. The term includes adult day care, custodial care, home health care, hospice care, intermediate care, respite care and skilled nursing care. Long term care does not include hospital care. This is the limit on benefits you can receive from the policy.
Some plans offer unlimited benefits.
The premium you pay when you first qualify for coverage will never increase due to changes in your age or health. Premium adjustments may be made only to an entire group of people, in the same rate class, and in a given state, and only upon 31 days prior written notice. Skilled Care Daily nursing and rehabilitative care performed or supervised by skilled medical personnel. Care must be based on doctor s orders. 30-Day Free Look Reputable insurance carriers give you 30 days to review your policy coverage.