before deciding how you should fund any long term health insurance you may need in the future you will need to know what is the difference between long term care insurance and medicaid. By knowing all the information you and your family can make a decision as to which would be the best as you never know what the future may hold.
Long term care insurance is a great choice if you have a longstanding illness and need someone to take care of you on a long term basis, these kind of illnesses and ailments could include M. S and similar illnesses, and those that have been disabled either from birth or since and will not get better either at all or for a long period of time.
If you or your family are suffering from a long term illness or disability you may wish to stay at home rather than in a nursing home or similar. By having long term care insurance you will be able to have the care you need on a day to day basis to ensure you have everything you need and are not able to do yourself.
Some people wish to stay in their home but also want to get out and about, as well as giving any other family members a break from caring for them. A good option for this is to have day care, which means you will be taken to a day care clinic every day, where they will look after you, make sure you are fed and looked after as well as finding activities around your needs.
If the care required is round the clock, you will find that long term care insurance will cover the cost and you will have a choice of residential homes to choose from. This means that you can find one that will best suit your needs. Having someone available at all hours will mean that you do not have to wait for day staff to arrive and if any medical treatment is needed most of this can be done within the residential home.
As it is possible that many people will need long term care as they get older it is a good idea to ensure you have such coverage. The facts are actually 50% of people will eventually need such care and you should be aware that long term care is something that the government will not fund.
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If it is the case that you cannot financially afford the care that long term care insurance will provide then the government have a scheme which is called medicaid. The way this scheme works is to help those who cannot get the help they need on a short term basis.
If you wish to have help at home this is something that is not usually covered by medicaid so they will be more likely to insist you go into residential care, however the homes which the medicaid covers are limited so you will not have a massive choice of them as you would if you were insured.
Depending on the state you live in you will not qualify for medicaid if you personally have assets of more than $2’000. It is not acceptable to get rid of the money or pass it to members of your family as your finances will be checked into and if it is found that you have been doing so then your application for help will be rejected and you could also be in trouble for fraud.
Before making your choice you will need to think about the good and bad points to both ways of funding your long term care, as you will never know no matter how healthy you are now what could happen in the future. You will have the peace of mind that your family will not have to pay the care you have received and know that your assets will go to whom it is you wish them to not to the government.
Before you go out and buy a policy go to Long Term Care Insurance, ask questions and request a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.