There is no standard for long-term care insurance. This means that every policy can be substantially different and while any insurer is legally responsible for providing you with an explanation of terms and policies in something called an Outline of Coverage, the differences in policies can be very confusing. That's why you may benefit from having a healthcare law attorney in Florida thoroughly review the policy for you and determine if it is a fit for your needs.
For instance, there are policies with services that are only offered if you are still residing at home. Other policies only apply to those in nursing homes. Some policies offer coverage regardless of where you are. Still other policies allow coverage for numerous other circumstances, such as adult daycare and assisted livings, among other options. Some plans may only pay a portion of your care while others could pay all of it.
You must be careful when choosing a home health care policy. Some will only pay benefits when you utilize physical, occupational and speech therapists, as well as licensed practical nurses or registered nurses for your in-home skilled nursing needs. So any effort to reduce costs and find a caregiver that isn't licensed could definitely backfire.
The importance of an attorney's assistance during the process of applying for and subsequently selecting the appropriate long-term care insurance plan should not be understated. Plans are confusing, policies often have loopholes that may disqualify you and leave you in quite a predicament. A Florida health care attorney can take the worry out of finding the most beneficial policy provided your current healthcare needs and any anticipated future needs.