What does long-term care insurance cover?

Long-term care insurance policies can include a wide variety of coverage options. Care arrangements that a long-term care insurance policy may cover include nursing homes, assisted living facilities, adult day care services, in-home care, specialized facilities for those with Alzheimer’s, and hospice care. Some policies also offer a future services option, which will allow the policy to adapt and extend coverage to new forms of care as they are developed. Additional services such as care coordination and modifications to one’s home to improve mobility may also be covered.

How many of these services are available through your specific plan will vary depending on how much coverage you buy and the specifics of the plan itself. Of course, plans offering more coverage and a wider variety of services will cost more than plans that are more limited, so you will need to carefully consider what kind of care you want and how this will play into your budget.

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Does long-term care insurance cover nursing homes?

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