Understanding the difference between health insurance and long-term care insurance, it is important to clarify what long-term care means. Long-term care involves a wide range of services that are designed to meet a person’s personal care or health needs when they can no longer perform everyday activities on their own.
Long-term care helps cover costs that are related to activities of daily living, like eating or bathing. On the flip side, health insurance covers things like doctor visits and presentations associated with illness or injury.
In addition to activities of daily living, long-term care also can cover things like housekeeping, meal preparation, and transportation. Standard health insurance typically doesn’t cover these types of things, especially on a long-term basis.
The benefits of having long-term care insurance are often needed to protect against what can be substantial costs. One might think that the risk of needing long-term care coverage is low, but most people end up needing some form of long-term care at some point in their life. Unfortunately, long-term care is something that tends to see the cost continuing to rise.
Long-term care tends to be expensive, but there are easy ways to get the support you need more affordably. Speak to an LIG agent today to find out what coverage is best for you and your family.
To learn more about your insurance choices, connect with one of our agents today to discuss all your options and answer any questions you may have. The experts at LIG Solutions have licensed health insurance professionals intending to offer a simple and transparent view of healthcare coverage. There’s no need to spend hours trying to understand different plan options – we’ll work with you to understand your needs and budget to recommend a plan that will work the best for you. And because we have no vested interest in which insurance carrier you go through, you can rest easy knowing we are truly looking out for your employee’s best interests.
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