Long-term care insurance is a type of health insurance that pays for care related to medical conditions that are expected to last for the rest of your life. This type of medical insurance pays a daily rate for care that you receive in your home or at an outside facility. It is designed to pay for the cost of nursing assistance so that you can have help with activities of daily living, such as bathing, getting dressed or taking intravenous medications.

What Long-term Care Medical Insurance Pays For

If you are unable to fully take care of yourself because of a condition such as a stroke, dementia or a degenerative nerve or muscle disorder, the long-term care insurance pays for a nurse's aide to come into your home and assist you with basic activities of everyday life. The long-term care policy also pays for you to live in a residential facility that provides skilled nursing services. A skilled nursing facility handles more intensive health needs for people who are no longer able to safely remain in their own homes.

Patients Who Should Consider Long-term Care Insurance

Anyone could develop a condition that makes it difficult to perform essential self-care activities. A stroke, diabetes or a neuromuscular disorder could make daily living activities difficult without help. If you have already been diagnosed with a form of dementia or a disease that will cause gradual deterioration, long-term care insurance could pay for your future nursing needs. Even if you are young and healthy, investing in a long-term care policy is a wise choice. It could protect your family's financial future so that your life's savings are not depleted by having to pay for your medical expenses out of pocket.

Shopping for Long-term Care Insurance in Jacksonville, FL

There are many options for long-term care insurance in Jacksonville, FL. It is a good idea to speak with an insurance agency that offers a variety of long-term care plans and compare each plan's benefits, costs and features. An insurance agent can discuss your financial situation and your anticipated health needs with you and help you to choose a policy that suits your situation. The insurance agent could also work with you and your loved ones so that your long-term health care needs are met in the way that you desire.

For any questions you may have about Long-Term Care Insurance, don't hesitate to contact us at the Della Porta Group.