{"id":3840,"date":"2015-02-06T08:37:41","date_gmt":"2015-02-06T15:37:41","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=3840"},"modified":"2015-02-09T15:33:33","modified_gmt":"2015-02-09T22:33:33","slug":"long-term-care","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/long-term-care\/","title":{"rendered":"Long-Term Care"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-3840-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-Medicare-Long-Term-care-what-is-it.mp3?_=1\" \/><a href=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-Medicare-Long-Term-care-what-is-it.mp3\">https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-Medicare-Long-Term-care-what-is-it.mp3<\/a><\/audio>\n<h1>Medicare and Long-Term Care?\u00a0 What is it and What\u2019s covered?<\/h1>\n<p>The high cost of long-term care is what most folks are concerned about. When discussing this with clients, the one thing we ask is \u201cWhat\u2019s your Plan?\u201d Many people take this as what long- term care <em><span style=\"text-decoration: underline;\">policy<\/span><\/em> do you have in place when I mean nothing of the sort. I asked \u201cwhat\u2019s your plan?\u201d\u00a0 Your plan can be that you are going to have a relative come to your home and take care of you and there will be some sort of financial compensation. Or maybe it\u2019s an adult child or someone else who loves you dearly that\u2019s going to take care of you. The point is, you have a plan that doesn\u2019t necessarily involve having an insurance policy.<\/p>\n<p>Many folks are concerned about their quality of life if they should become disabled or have a long-term health issue. What we need is to review what\u2019s covered under your current Medicare coverage first.<\/p>\n<p><span style=\"text-decoration: underline;\">Medicare is \u201cmedical coverage\u201d<\/span> not \u201clong-term care\u201d coverage. What does that mean? As long as you are in the hospital or a Skilled Nursing Facility recovering from an accident or rehabilitation from surgery, you will be covered by your Medicare coverage as long as you spent three days in the hospital first. This can be through Medicare with a Medigap (Medicare Supplement) policy or a Medicare Advantage plan. The key to this coverage is that you are improving or being rehabilitated and showing improvement from an illness, accident, or surgery. This type of <span style=\"text-decoration: underline;\">Skilled Nursing<\/span> coverage is usually good for 1-100 days per event. Your co-pay, <em>if any,<\/em> will differ depending on which Medicare plan you have.<\/p>\n<p>An example would be a Medicare Medigap Plan F would have no co-pay for Skilled Nursing during the first 100 days, where a Medicare Advantage Plan may have no co-pay for the first 10-20 days but co-pays after day 21 to 100. Remember these are just examples of coverage. Your coverage and co-pays are outlined in your Summer of Benefits with your policy.<\/p>\n<p>If you are suffering from a cognitive or physical limitation that shows no improvement and just need daily ongoing \u201ccustodial care\u201d, this is when you need \u201clong-term care\u201d. <em><span style=\"text-decoration: underline;\">This is not covered<\/span><\/em> by Medicare and Medigap or Medicare Advantage.<\/p>\n<p>Long-term care situations can be anything from mental or physical conditions which are judged on 2 of the 6 ADLs (Activities of Daily Living), or cognitively impaired. In other words, you can\u2019t perform daily functions without assistance. This can also include a variety of illnesses where you require constant medical supervision such as stroke, or some other debilitating condition.<\/p>\n<p>We suggest you do your research before any of this happens. Discuss your concerns with a Retirement Planner <span style=\"text-decoration: underline;\">you trust<\/span>. Hint, Hint, we know someone who can help and their name starts with a \u201cD\u201d!! J<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medicare and Long-Term Care?\u00a0 What is it and What\u2019s covered? The high cost of long-term care is what most folks are concerned about. When discussing this with clients, the one thing we ask is \u201cWhat\u2019s your Plan?\u201d Many people take this as what long- term care policy do you have in place when I mean [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3835,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7],"tags":[53,52,54],"class_list":["post-3840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-long-term-care","tag-care","tag-long-term","tag-plan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"The high cost of long term care is what most folks are concerned about. When discussing this with clients, the one thing we ask is \u201cWhat\u2019s your Plan?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/long-term-care\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Schaeffer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/\"},\"author\":{\"name\":\"David Schaeffer\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\"},\"headline\":\"Long-Term Care\",\"datePublished\":\"2015-02-06T15:37:41+00:00\",\"dateModified\":\"2015-02-09T22:33:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/\"},\"wordCount\":492,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/long-term-care-plan.jpg\",\"keywords\":[\"care\",\"long-term\",\"plan\"],\"articleSection\":[\"Long Term Care\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/americanretirementadvisors.com\/long-term-care\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/\",\"name\":\"American Retirement Advisors 800-568-1095 Expert Advice\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/long-term-care\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/long-term-care-plan.jpg\",\"datePublished\":\"2015-02-06T15:37:41+00:00\",\"dateModified\":\"2015-02-09T22:33:33+00:00\",\"description\":\"The high cost of long term care is what most folks are concerned about. 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