America's Top Assisted Living Resources LLC 480-795-7776
  • Home
    • About
    • Contact Us
    • Blog
    • Articles
  • Living Options
    • In Home Care
    • Transition & Relocating >
      • Assessment Information
      • FAQ's
    • Assisted Living Home
    • Assisted Living Communities
    • Skilled Nursing Facility
    • Memory Care
  • Resource Directory
    • Assisted Livings
    • Independent Living
    • Resources
  • Paying For Care
    • ALTCS / Medicaid
    • V.A. Benefits
    • Medicare Insurance
    • Elder Law
    • Estate Planning
    • Retirement Planning
  • End of Life
    • Hospice >
      • Palliative
      • Earlier Admission Benefits
    • Funeral Services >
      • Preplan Your Funeral
      • Obituaries
Picture

Long Term Care Insurance Covered Services

The types of care and services that may be covered by a long-term care insurance policy range from highly skilled nursing care to unskilled custodial care. It might also include care in the home, adult day care services, assisted living, and respite care. To help clients understand the types of coverage available, it is important to understand the distinctions among the different levels of care.
Picture
Custodial Care / Non-Medical Home Care
At the lowest end of the long-term care continuum is custodial care, also known as personal care, which is one of the most important types of care. This includes assistance with the essential activities of daily living, such as bathing, dressing, walking, toileting, and eating.

Custodial care is considered the foundation of care even though it is the lowest level of care because it does not require a doctor’s orders and can be performed by individuals without professional medical skills. In fact, family members and friends often provide custodial care for elderly family members or friends. This level of care may be provided at home, in a nursing home, or in an assisted living facility.

Home Health Care
Long-term care also can be provided in a person’s home. Home health care encompasses a wide range of services provided by both skilled and unskilled personnel. For example, formal care may be provided in a person’s home by licensed health care professionals such as nurses, physical therapists, social workers, audiologists, occupational therapists, and nutritionists. Caregivers may also assist with personal tasks such as bathing, dressing, and grooming. Such assistance—both custodial care and care that is medically oriented—is available 24 hours a day, seven days week, as needed by the individual.

Adult Day Care
​
Adult day care offers a structured, supervised alternative to nursing home care for elderly individuals who need assistance during part of the day but who do not need 24-hour skilled nursing care. Adult day care programs are community-based programs that provide a variety of social and health services, including therapeutic activities such as art; musical entertainment; health monitoring; physical, occupational, and speech therapy; and dietary counseling. Adult day care centers often give family caregivers a much-needed break, enabling them to continue working outside the home, attend to personal needs, or simply take some time off from their care-giving responsibilities.
Intermediate Care
Intermediate care is medically supervised care that is provided intermittently (daily or a few times a week) for individuals who do not need around-the-clock care but still need medical care or assistance of some kind. Although less specialized than skilled nursing care, intermediate care is based on a doctor’s orders and performed by a registered nurse. This type of care can be provided at home, in an assisted living facility, or in a nursing home, and it is intended to improve or maintain a person’s health.

Skilled Nursing Care
Skilled nursing care is the highest level of care and is available 24 hours a day. It can only be performed by or under the supervision of skilled medical personnel, such as nurses, therapists, and technical personnel. This type of care is based on the orders of a doctor (called a treatment plan) who dictates the type of care to be provided. It is generally provided to patients who need a high level of nursing care, often after a person has received medical treatment for an acute condition. Sometimes, skilled nursing care may be needed for an extended period of time or for a short time only, until a person can transition to a lower level of care. Skilled care can also be provided at a person’s home.


Descriptions of different levels of long-term care are general definitions only.

    Long-Term Care Insurance Request For Information:

Submit
For Help or Information Please Call 480-795-7776
​Email: [email protected]
​Fax: 480-795-7717
Picture

Americas Top Assisted Living Resources LLC  is a locally owned and operated agency in the State of Arizona providing quality assistance to families throughout the State of Arizona. Selecting a long-term care facility can be an overwhelming experience. To help you and your family through this transition we have compiled information to help you make the right decision & determine what level of care you or your loved one requires. Our only objective is to assist your family find direction,
​well being, and ultimately peace of mind.

We offer comprehensive resources to guide families through all of the senior housing options and elder
care needs. At Americas Top Assisted Living Resources LLC, We staff knowledgeable consultants helping
​seniors and their families make informed, educated decisions regarding all options available.
​
If you would like information pertaining to another USA based State, please "Click Here"

Home I Living Options I Directory I Paying For Care I End of Life
Terms of Use I Privacy Policy
Copyright © 2021 Americas Top Assisted Living Resources, LLC. All Rights Reserved
An Arizona Based Company
  • Home
    • About
    • Contact Us
    • Blog
    • Articles
  • Living Options
    • In Home Care
    • Transition & Relocating >
      • Assessment Information
      • FAQ's
    • Assisted Living Home
    • Assisted Living Communities
    • Skilled Nursing Facility
    • Memory Care
  • Resource Directory
    • Assisted Livings
    • Independent Living
    • Resources
  • Paying For Care
    • ALTCS / Medicaid
    • V.A. Benefits
    • Medicare Insurance
    • Elder Law
    • Estate Planning
    • Retirement Planning
  • End of Life
    • Hospice >
      • Palliative
      • Earlier Admission Benefits
    • Funeral Services >
      • Preplan Your Funeral
      • Obituaries