The topic of long-term health care insurance can be confusing. Will you get the care you need in your home, or do you have to go to a nursing home? In this blog post, Alliance Insurance Partners discusses the details of long-term care insurance and how it works in Scottsdale, AZ, so that you can make an educated decision. 

What Is Long-Term Health Care Insurance? 

Long-term health care insurance covers expenses such as at-home medical services, nursing homes, assisted living facilities, and other related costs. These policies are designed to help those unable to cover these costs independently due to age or illness. It is important to note that long-term health care insurance does not cover regular medical expenses such as doctor visits and prescription drugs. 

How Does Long-Term Health Care Insurance Work? 

Long-term health care insurance policies typically cover a range of services, including home health aides, adult daycare centers, respite care for family members, skilled nursing facilities (SNF), assisted living facilities (ALF), and personal care services. Most plans also include coverage for durable medical equipment such as wheelchairs and hospital beds. Depending on the specifics of your policy, you may also have coverage for mental health services like counseling and support groups. 

It is essential to do your research when it comes to deciding if long-term health care insurance is right for you and your situation in Scottsdale, AZ. Contact Alliance Insurance Partners to ensure you understand all the details about your long-term healthcare options. We’ll help you find a policy that will fit your future needs.