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5 Strategies To Reduce Your Car Insurance Premiums
Your latest car insurance bill has arrived and it is not a pretty site. In fact, it is downright ugly! What can you do? Must you remain hostage to the ever spiraling rate increases foisted upon you when your policy renews? In a word, no. Let's...
How To Get Cheap Whole Life Insurance Quotes
Whole life insurance quotes the most expensive kind of policies that are on the market due the fact of cash value over time. Whole life insurance is permanent life insurance coverage that lasts as long as you live and continue to make ontime...
How To Save Money On Your Homeowners Insurance?
How To Save Money On Your Homeowners Insurance? In order to save money on your homeowners insurance you have to consider several price determining factors. One of the biggest factors is whom your insurance provider ends up becoming. You should...
Tips for Choosing a Life Insurance Company
More than 150 insurance companies offer thousands of life insurance products in the UK. Choosing the right company and right product from this bewildering choice is challenging. Fortunately, there are some common sense guidelines that will help...
Why Do You Need Homeowner’s Insurance?
The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner's insurance policy. Homeowner’s...
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Long Term Care Insurance
In the early 1980's Medicare started using a system called the diagnosed related group of guidelines for advance payments to hospitals. This has really given hospitals authority and incentive to discharge patients very soon after admission to the hospital. The hospital gets paid the same whether the patient is in 3 days or 6 days. So the hospital can make more money if they free up the bed space for the next patient. The problem this has caused is that nursing homes have become the recovery place for these patients that were not ready to go back to their homes. The problem with this is that Medicare only pays up to 21 days of skilled nursing care. Therefore, if a patient is not recovered after the 21 days in the nursing home, then the funds come out of the patients estate, provided they have one. Needless to say, it does not take long to eat up one's estate at the nursing home rates.
Insurance companies have just in the last decade recognized this problem and now are offering Long Term Care Insurance. The long term insurance rates vary by geological location, as well as state and local regulations. The premiums are costly, however, a
person has to weigh out the advantages and disadvantages to purchasing long term care insurance.
Many people assume that their healthcare provider will cover long term care. Unfortunately Health care insurance covers medical bills, hospital bills and some prescriptions. They do not cover nursing home expenses. The same rule applies for Medicare. Medicare will pay for skilled nursing home care only for patients that are able to fully recover from their injuries or illnesses. Then the myth is that a person can always fall back on Medicaid, but Medicaid is for the people who fall under the low income guidelines and have little or no assets.
If a person can afford long term care insurance, it is highly recommended that they purchase it when they are young, as the rates are substantially lower.
About the Author
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto insurance, life and home insurance that you can research in your pajamas on his website.
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