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Pennsylvania Long Term Care InsuranceI Want A FREE PA Long Term Care Quote As a Pennsylvania resident, you should be aware of the Pennsylvania Disability Insurance coverages, so you can find the best policy to fit your Pennsylvania Long Term Care Insurance needs. What Is Pennsylvania Long Term Care Insurance?Pennsylvania Long Term Care Insurance is one way you may pay for some or all of your long term care needs. Policies are provided by private health insurance companies that help cover major expenses for long term care. These policies help pay expenses that may pose the highest risk to you. Long Term Care Insurance covers either facility-based skilled care or home care or both. The majority of policies available to consumers pay up to a set amount (usually a specific dollar figure per day) or up to a percentage of the actual expenses for care in a nursing home or home health care. No Pennsylvania Long Term Care Insurance policy provides blanket coverage for all expenses. Understanding Pennsylvania Long Term Care InsuranceLong Term Care refers to the kind of medical care or health related care that you could need if you have a long term illness or long term disability, which leaves you unable to care for yourself. Long Term Care can be provided in an assisted living facility or at home. It provides care with activities of daily living such as dressing, personal hygiene or household chores. There generally are four different types of long term care: skilled nursing care, intermediate care, custodial care and home health care. Skilled Nursing Care - Daily nursing and rehabilitative care that can be performed only by, or under the super- vision of, skilled medical personnel. The care received must be based on a doctor’s orders. Intermediate Care - Occasional nursing and rehabilitative care that must be based on a doctor’s orders and can only be performed by, or under the supervision of, skilled medical personnel. Custodial Care - Primarily for the purpose of meeting personal needs such as walking, bathing, dressing, eating or taking medicine. It is usually provided by some- one without professional medical skills or training. Home Health Care - Usually received at home as part- time skilled nursing care, speech therapy, physical or occupational therapy, part-time services from home health aides or help from homemakers or choreworkers. Pennsylvania Long Term Care Insurance ExpensesLong Term Care services can be expensive. There are four main ways that long term care expenses are paid: Medicare, Medicaid, long term care insurance and private pay or out of pocket. Medicare pays 100% of skilled nursing facility care for the first 20 days and 80% for the next 80 days if Medicare determines the benefit or care is warranted and covered by Medicare. The Medicare benefit covers a maximum of 100 days in a skilled nursing facility, so after the 100 days is exhausted there is no more coverage or payment. This benefit is only provided if you are admitted to a Medicare certified facility within 30 days after a minimum three-day hospital stay. A physician must certify that your admission is medically necessary. Medicare may also pay for part-time skilled home health care if you are homebound and a physician certifies the care is medically necessary. Pennsylvania Medicare Supplement Insurance or “medigap” policies generally only cover the enrollee’s portion of a Medicare covered benefit and generally do not cover long term care expenses beyond the 100-day Medicare benefit. Medicaid will pay your nursing home or home care expenses only if your income and assets are less than a set amount (which is currently $2,400). If you are single, that means you must spend virtually all of your savings and other assets before Medicaid will provide cover- age. If you are married, your spouse may be able to keep sufficient assets to provide for themselves. Pennsylvania Long Term Care Insurance is a coverage you can purchase privately from insurance companies to cover or supplement the long term care nursing expenses that government programs do not cover. Private Pay or Out of Pocket Expenses are long term care expenses, which are not covered by one of the programs previously listed, and require you to use your assets, income and resources to pay for the care. |