California Medicare does not pay for all services in long term care. Are you 65 years of age and having chronic illness and require long term care services? California Long term care partnership will help you find long term care services to meet your requirements.
You have many choices where you can receive long term care services according to your need.
1) Home Health Care
a) Skilled care – Visiting nurses, Physical, speech and occupational therapies
b) Custodial care- Care at your home, Intermediate care
2) Community Care
a) Adult day Care
b) Respite Care
3) Assisted Living Facilities
a) Assisted living home
b) Informal care
c) Hospice care
d) Facility for Alzheimer’s
4) Nursing Homes
Nursing home stay
The terms and costs of California Long term care insurance vary among the companies.
The amount paid also varies by the type of care and the place of care.
In California older citizens are provided with Long Term care Partnership coverage. Long Term Care Partnership coverage joins together the benefits of long term insurance care and Medicaid.
Long Term Care Insurance covers services from home care, community based services, assisted living and nursing facilities.
Medicaid policies cover many services except for some for the long term care.
To qualify for the Medicaid the senior citizen need very low personal assets.
Long Term Care Partnership policies are different than non-Partnership policies since they benefit asset protection.
Hence if senior citizens meet the Medicaid requirements and join Long Term Care Partnership policies they will save the money they earned for lifetime.