AARP Long Term Care Insurance Cares For You When You’re Old

2007-03-08 10:33:40

( Health )



AARP is an association of persons fifty years old and above, whatever their citizenship or wherever their residence may be. If you are an AARP member, you have access to their many services and insurance products. Because you are a homogenous group, AARP is able to arrange for affordable insurance for you and your fellow members.

Like AARP homeowners insurance and its other insurance packages, AARP Long Term Care insurance is actually carried by independent insurance companies but specially designed for AARP members.

AARP long term care insurance will help cover your needs for daycare insurance, health care insurance, personal health care insurance and personal care insurance.

Personal Care Insurance. You can buy coverage for care received at your own home. Your insurance company will just arrange for things such as regular visits by a skilled nurse, a personal care aide, physical therapy sessions or meal deliveries to your home so you don’t have to bother about that.

Daycare Insurance. You may need only minimal care and skilled services together with recreational activities with people in your age group. This adult day care service will be appropriate for you.

Health Care Insurance. If your need for skilled health care attention is more intensive, this coverage can arrange for that. The service will be provided either in a hospice, an assisted-living facility, or a nursing home.

AARP long term care insurance offers all these, of course. According to AARP long term care insurance can cost a 65-year-old a few thousand dollars in premiums for a policy covering both in-home and nursing home care. It can be expensive. Naturally, a policy that undertakes to provide a wide range of services in various settings will cost you some. Health care advisors would recommend that your long term care policy should cover nursing home, assisted-living hospice, and home care.

Your choices on what coverage to take will determine the amount of your premium. So, as you examine the proposed policy, before you affix your John Hancock long term care insurance coverage you think you need should be very clear in your mind.


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