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What you need to know before buying Health Insurance  

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Long Term Health Insurance: What You Need to Know

Thanks to amazing advances in the medical field people are living longer than ever in the United States. That fact has both a positive and a negative result. On the bright side, we have more time to spend with our loved ones and to do the things we cherish most. On the downside, more of us are going to be in need of long term care at some point in our lives.

Long term care is not cheap and current government programs are rarely sufficient. Now is the time to begin planning for that future need with long term health insurance.

What is Long Term Health Insurance?

As mentioned above, American citizens are getting older. Between now and 2030, all of the 76 million Baby Boomers will reach 65. That will actual double the population of senior citizens living in this country. A good portion of seniors will end up in a nursing home or requiring some other type of long term care.

That long term care comes at a price, however. A private room in a nursing home costs around $74,000 per year. Long term health insurance is designed to help cover those costs and to provide families with more long term care options for their loved ones.

Understanding Long Term Health Insurance

Long term health insurance doesn't work like other types of insurance coverage. Instead, the policy pays a fixed rate towards a variety of long term care services and facilities, such as nursing homes and assisted living facilities. One of the benefits of this type of insurance is that it provides more care options for seniors. While Medicare or Medigap may cover a portion of long term care expenses for some types of services, long term health insurance will pay towards a much broader array of services, even home health care and adult day care.

You should also know that premiums for long term health insurance are based on your age when you sign up for the policy. The younger you are when you begin planning the less you will pay for your policy. Also, the premiums generally don't increase during the life of the policy so what you pay today is what you'll pay in 20 years.

Factors to Consider

As with any type of insurance, you should shop around for a long term health insurance policy that will meet your needs and your budget. You will also find differences between the policies being offered so doing some comparison shopping is a must.

Obviously, you want to know what specifically the policy will cover. Choose policies that provide the most options so you and your family will be free to make better choices regarding your future care. One of the key options to consider when purchasing a long Term Care Policy is a "cost of living riders". This will insure the coverage you buy for the future is protected. There will be no short falls in coverage with this option; it will increase coverage year after year.

You also need to know how much will be paid towards these services, how they are paid, and what limits - if any - on payments are included in the policy. These are all questions you can ask or pieces of information you can find in the actual details of the policy.

Also, you should make sure the policy will qualify towards the medical expense deduction you can take on your federal income taxes. The majority of long term health insurance policies available do qualify for the deduction which could save you money at tax time.

Final Points to Remember: Start shopping early for a long term health insurance policy so you can save money on premiums and so you can have the protection in place before it's needed. Use a financial advisor when planning for your future needs. Most people get caught up in making decisions about the investing portion of their monies for themselves and beneficiaries, that they forget or don't see the importance of putting in a policy that protects everyone.

Long Term Care Products are a great financial protection vehicle when making decisions about your future. Purchase the policies when you are young and before any medical complications set in. This makes the cost reasonable. If you already have some conditions, ask the agent if that diagnosis will affect the premium. With Long term Care Insurance, conditions will be treated differently than conditions for a health insurance policy. There are a lot of conditions that are not life threatening, so the underwriting process is different for Long Term Care as to a major medical plan.

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