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How To Compare Low Cost Long Term Care Insurance In Oregon

Long term care insurance is probably the last type of insurance any of us want to think about, yet according to statistics from the state of Oregon’s Department of Insurance, just about half of all Oregon citizens will require some form of long term health care at some point in their life.

Long term care refers to any type of on-going assistance required for the normal chores of daily living, such as dressing, bathing, toilet functions, preparing and eating meals, walking,...

Long term care insurance is probably the last type of insurance any of us want to think about, yet according to statistics from the state of Oregon’s Department of Insurance, just about half of all Oregon citizens will require some form of long term health care at some point in their life.

Long term care refers to any type of on-going assistance required for the normal chores of daily living, such as dressing, bathing, toilet functions, preparing and eating meals, walking, and other assorted functions.

Don’t fall into the trap of believing that Medicare or Medicaid will take care of all of your long term heath care requirements after you hit the magical 65, because the truth of the matter is, Medicare pays for almost no long term health care whatsoever, and Oregon’s Medicaid program pays for only a limited amount and will offer you no choice about the facility where you will possibly need to spend the last years of your life.

Finding low cost long term care insurance here in Oregon can be complicated due to the fact that so many factors must be weighed when designing a plan: do you want the plan to cover nursing home care or in-home care, what caps will the insurance have, what elimination period (deductible) can you afford, do you need built-in inflation protection, plus a myriad of other questions.

However, before you talk to an insurance specialist about low cost long term care insurance it would be a good idea to go online and at least begin to compare long term care plans on one of the many sites which allow for such comparisons. By making your own preliminary comparison of low cost long term care insurance in Oregon you will be better prepared to ask the tough questions that need answers before you make the commitment for an insurance policy that may very well determine the quality of at least a portion of your future life.

 

How To Compare Low Cost Long Term Care Insurance In Washington

A great resource that is available free for residents of Washington State from the Statewide Health Insurance Benefits Advisors office is a worksheet. This worksheet is designed to help individuals in Washington State who are considering purchasing a long term care insurance policy. The worksheet gives them suggested areas of interest they should pursue when comparing rates between companies.

Calling insurance agents for quotes can be a challenging exercise. Most insurance...

A great resource that is available free for residents of Washington State from the Statewide Health Insurance Benefits Advisors office is a worksheet. This worksheet is designed to help individuals in Washington State who are considering purchasing a long term care insurance policy. The worksheet gives them suggested areas of interest they should pursue when comparing rates between companies.

Calling insurance agents for quotes can be a challenging exercise. Most insurance agents recognize the sensitive nature of long term care insurance and are there to offer their assistance. They’ll need some information to help them determine a quote for the coverage that is required. Some of the information typically requested includes:

•The age of the person interested in long term care insurance coverage. Typically the younger you are, the less you can expect to pay in premiums.

•The state of health of the insured. If a person suffers from a history of serious health conditions, this will directly affect the cost of long term care insurance.

•The type of coverage needed. This can be confusing, but most agents will take the time necessary to explain the different options available in terms of coverage.

•The maximum coverage provided. Many long term care insurance companies have either an annual or lifetime maximum in coverage. This information is important when weighing which company is best.

Once an individual has one quote it’s easy to contact other companies to secure more quotes. It’s important to request a quote on the same level and type of coverage with each insurer. It’s also wise to ask about the company’s history and how long they have been serving the area. Armed with all this information, anyone can make an informed choice as to what long term care insurance company will fit their future needs best.

 

How To Compare Low Cost Long Tern Care Insurance In Colorado

Health care costs in Colorado are among the highest in the nation, and while there is talk of legislation to help ease the burden on Colorado citizens it is still up to each of us to compare health options and shop wisely.

This is just as true when looking for low cost long term care insurance as it is for any other type of health care insurance.

Long term care insurance is designed to provide constant living assistance to patients with long-term or permanent disabiliti...

Health care costs in Colorado are among the highest in the nation, and while there is talk of legislation to help ease the burden on Colorado citizens it is still up to each of us to compare health options and shop wisely.

This is just as true when looking for low cost long term care insurance as it is for any other type of health care insurance.

Long term care insurance is designed to provide constant living assistance to patients with long-term or permanent disabilities or disease (such as Alzheimer’s). While many people think only of older patients in regards to long term care, a growing number of younger people are requiring round-the-clock care due to disease and accident.

Round-the-clock personalized care is obviously expensive, and well beyond the means of the average person without the assistance of an insurance plan specifically designed to cover such a contingency.

When comparing low cost long term health care plans in Colorado there are many options which can greatly affect the cost of the plan you choose.

The age of the person being insured is one of the biggest factors. Obviously the younger a person is – and the better health the person is in – the lower the cost of monthly premiums for any policy you choose.

Other factors include the kind of long term care setting – in other words, does the policy cover 24-hour-per-day coverage in a nursing home setting, or will the insured continue living at home with only daily or weekly visits by a health care provider?

How long will care last? This can be measured in the number of days, weeks or years the policy will make payments, or it may be expressed in a maximum dollar amount that the policy will pay out. The duration you choose will affect the premium you pay for the policy.

Most policies have what they call an Elimination Period. This is simply a fancy way of saying that the policy has a deductible. The Elimination Period is the amount of time you must pay for long term care out of your own pocket before the insurance takes over.

Since most long term care policies are purchased years in advance of their actual need, most policies have the option for inflation coverage in order to keep the policy up-to-date with rising prices. Purchasing a policy with inflation coverage is more expensive, but may be worth it in the long run.

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