Long-term Care Insurance for Seniors in Cullman, AL
At Visiting Angels Cullman, AL, we accept long-term care insurance. We walk our clients through the claims approval process and file claims on behalf of our clients to make the process of receiving care as easy as possible.
What is Long-term Care Insurance?
As you get older, you might find that it'll get gradually harder to care for yourself. Many seniors find that hiring long-term care from a reliable home care agency like Visiting Angels can help them get the care and support they need with daily tasks and responsibilities. According to the U.S. Department of Health and Human Services, 70 percent of seniors age 65 or older will use some form of long-term care.
However, long-term care can get expensive. Regular health care policies usually won't cover the costs, and Medicare only covers short stays at a nursing home or limited forms of home health care. Although Medicaid can help cover the expenses, you would have to wait until you exhausted most of your savings to even be eligible. Many seniors often have to face the difficult decision between getting quality in home care or holding onto their retirement nest egg.
Long-term care insurance makes it easier for seniors to afford long-term care by reimbursing you for the care you hire after a certain time period. You can choose the amount of coverage you want based on the amount of care needed and your budget. Not only can long-term care insurance cover the costs of in-home care, but it can also cover the cost of long-term care given in nursing homes, assisted living facilities and adult day care centers. By getting the right coverage, you can make sure you stay safe and healthy as you enter your golden years.
How Visiting Angels Cullman Help Seniors with Long-term Care Insurance
This list recognizes all long-term care insurance agencies we work with, although if your insurance provider isn’t listed that doesn’t mean we don’t accept that coverage.
Long Term Care Insurance Companies:
- Blue Cross Blue Shield of Alabama
- Florida Blue
- Great American Insurance Group
- John Hancock
- Lincoln Benefit Life
- New York Life
- Physicians Mutual
To learn more about we help seniors afford long-term care, contact Visiting Angels in Cullman, AL today!
Serving Cullman, Etowah, Walker, Marshall & Blount Counties
Visiting Angels CULLMAN, AL207 4th St SE #A
Cullman, AL 35055