Long Term Care
Long-term care includes medical and non-medical care to people who have a chronic illness or disability. Generally, Medicare does not pay for most long-term care. Medicare pays only for medically necessary skilled nursing facility for rehabilitation, as soon as a doctor states that a patient is no longer making progress to improve they go from rehab to custodial care and medicare will no longer pay for the care. This can includes home health care but you must meet certain conditions to be eligible for this type of care. Medicare does not pay for “custodial care” in a Nursing Home, or in your own home. Custodial care is usually when you require assistance with Activities of Daily Living (ADL’s). ADL’s include assistance with bathing, dressing, feeding, toileting, medication administration and mobility.
What level of care will be needed? What are your preferences? What can you afford? What options are available in the local community? These questions are what we, at Castell Insurance, can help you answer.
Our Policies offer a multitude of benefits including
- No prior hospital stay required.
- Care is covered in all settings, home, assisted living and nursing homes.
- Discounts for good health and married couples.
- Optional inflation protection.
- Waiver of premiums.
- Shared spouse benefits.
- How To Finance Long Term Care (Click here to get a quote.)