Long Term Care

Long-term care insurance is a type of insurance developed specifically to cover the costs of long-term care services, most of which are not covered by traditional health insurance or Medicare. Wall 2 Wall Insurance Services hopes to provide you with options for services in your home such as assistance with Activities of Daily Living as well as care in a variety of facility and community settings. Long-term policies vary greatly in coverage and cost. Discussing your long-term care insurance with the professionals at Wall 2 Wall can greatly reduce the headache and risk of making a decision you may regret later.

Wall 2 Wall Insurance Services research findings indicate that by 2020, 12 million older Americans will need long-term health care. There are many misconceptions regarding Medicaid and Medicare benefits in dealing with long-term health care. Medicare pays for health services for the very poor of any age and Medicaid benefits do not guarantee placement in a nursing home or high-quality medical care. Home care, assisted living facility care, adult daycare, outpatient services, and alternate caregiver services are not usually reimbursed under Medicaid.