LTC Vs HHC

[Iowa77]

I don't know, don't pay much attention to LTC anymore. LTCi has gotten so expensive and they're all raising premiums, so I stopped selling it a few years ago. I'm selling Short Term Nursing Home insurance now. Kemper's is a very limited HHC policy.

Do you ever write Medico, or American Republic, for Short Term Care Recovery?

 

[goillini52]

Do you ever write Medico, or American Republic, for Short Term Care Recovery?

No, I like Sterling Investors. I also have Guarantee Trust Life and Standard Life & Accident, but they're not as good and more expensive. I looked at Medico, but I thought it was less coverage and more costly than Sterling Investors.

 

[Todd King]

Who are some of the carriers that offer HHC? I read about Kemper.

Kemper does have HHC and is available in Iowa. I'm sure there are others out there, but you'll get eye strain trying to find them.

I do have that contract available if you need it.

 

[TwiLight]

Kemper is the only AM Best rated A- or better carrier that has a Stand Alone HHC. Very low cost and almost Guarantee Issue.

See link below.

 

[axeman462]

Kemper does have HHC and is available in Iowa. I'm sure there are others out there, but you'll get eye strain trying to find them.

I do have that contract available if you need it.

BLC does too... just ignore that other post about them getting sued over their LTC products recently...

 

[Iowa77]

BLC does too... just ignore that other post about them getting sued over their LTC products recently...

I just sent you a private message.

 

[KarenLorenzo]

Long term care (LTC) insurance secure financing of ltc services, which includes personal/custodial care, home health care (HHC) and care facilities. Medicare does not usually provide coverage for HHC, they recommend skilled care facilities where you can get covered but only for a limited period of time.

If your illness or disability can be managed in the comfort of your home, HHC covers this, but if you require advance medical supervision and need to stay in a care facility, you are no longer covered by HHC...LTC insurance covers both..hope this helps

 

[moonlightandmargaritas]

Medicare does not usually provide coverage for HHC...

Are you sure?

Home health services | Medicare.gov

 

[KarenLorenzo]

Are you sure?

yes, it does not USUALLY, it only covers eligible home health services if you meet the eligibility criteria, however, these home health services does not include custodial care or assistance with daily activities.. medicare is focused on health care not long term care. Also the coverage is limited to a certain number of days only