Basic insurance will probably protect you in the case of a minor accident. But are you prepared for an extended illness? What if you're bed-ridden for weeks, months, or years? Do you have an affordable long term care health insurance policy? Do you even know what such a policy is?
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What is Long Term Care Health Insurance?
Long term care health insurance is medical coverage for you and your family should you need extended care at some point down the road. Basic insurance will cover most expenses until you're back on your feet, but a long term care health insurance policy will provide you with often-overlooked essentials that most hospitals and care-providers will only give at phenomenal expense to you and your family.
With most basic long term plans, you receive general medical coverage. But in addition, you receive:
- Daily care in the form of bathing, eating, and dressing (absolutely essential, but often overlooked).
- Rehabilitation and training.
- Cognitive therapy (especially for degenerative mental diseases).
Finding an Affordable Long Term Care Insurance Policy
Before the Internet, finding an affordable long term care insurance policy took quite a bit of work on your part. You had to hunt through the yellow pages, call up or visit several different offices, fill out copious amounts of paperwork, wait several days for a quote, and then choose the best of those limited options.
Today, however, you can go online, fill out one form, submit it to several companies at once, and have them fight over themselves for your business. Online registration has made it a buyers market. You can find pretty affordable long term care insurance from the comfort of your home. What do you win by waiting?
About the Author
Austin Brentley is an English teacher currently living and working in Yamaguchi, Japan. His previous experience includes working for a lobbying firm, in his native Washington, DC and for various record and television studios in New York. Austin holds a B.A. in history from Harvard University.
