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Taking The Mystery Out Of Long-Term Care Insurance They include home health care, assisted living facility care, adult day care, Alzheimer's facility care, respite care and hospice care. So how does long-term care insurance work? Long-term care insurance is not health insurance, and long-term care expenses are not covered under private health insurance, Medicare or Medicare supplement policies. However, long-term care insurance is similar to health insurance in that an individual must apply for coverage by going through medical underwriting. The insurance company decides whether to offer long-term care coverage based on your current health conditions and age. In most instances, a person's medical records will be reviewed by the insurance company. Additionally, some applicants may be required to have a face-to-face or a telephone interview. Not everyone is insurable. People who already have health problems are likely to need long-term care but won't be able to buy a long-term care insurance policy. « Previous Page « » Discuss it » Continue Reading »
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