长期护理保险不同于医疗护理，因为它通常对你有帮助 to live as you live now instead of improving or correcting medical problems. 人们经常认为 long-term 护理 as strictly nursing home 护理. 长期护理 services actually may include help with 日常生活活动、家庭护理、临时护理、临终关怀或成人日托. 这个保健也许 在你自己的家里，日托机构，辅助生活机构，养老院，或临终关怀机构 设施.
常见问题解答 & 问题
What is long-term 医疗保险?
These are individual insurance policies that may help you when 因长期患病或残疾而无法照顾自己. 这一政策 通常支付在养老院的技术护理，中级护理和监护护理. 家庭健康 护理, adult day 护理, and assisted living 护理 are also often covered. 这些政策 通常每天支付固定的金额或每次访问设施或护理人员 licensed by the state and/or participate in 医疗补助计划 and 医疗保险.
How much does long-term 护理 cost?
长期护理 can be 昂贵的. The cost depends on the amount and type of 护理 you need and where you get it. Below are some average annual costs for 护理 in a nursing home, an assisted living 设施 and your own home. 长期护理可能需要花费 more or less where you live.
In 2018, the national average cost of nursing home 护理 was about $89,297 per year (for a semi-private room). This cost doesn’t include items such as therapies and medications, which could greatly increase the cost.
Assisted Living Facility Costs
In 2018, assisted living facilities reported charging $4,000 a 平均每月(一居室)，或每年48000美元，包括租金和大部分其他费用 费用. Residents may pay more for additional 护理.
In 2018, the cost of basic home 护理 averaged $22 per hour for a 家庭健康助手 in the U.S. That’s $34,320 per year for a 家庭健康助手 who visits six hours a day, five days a week. Skilled 护理 from a nurse in your home is typically more 昂贵的. 家庭护理的年度费用取决于护理人员每周工作的天数 visits, the type of 护理 required and the length of each visit. 家庭护理可以是 unaffordable for many if round-the-clock 护理 is required. These costs are different across 这个国家. 你r state insurance department or the insurance counseling program in your state may know the costs for your area.
How can I pay for long-term 护理?
People pay for long-term 护理 in different ways. 这些包括 个人或其家庭的个人资源，包括储蓄、投资或其他 资产，如房屋，长期护理保险和一些来自医疗补助的帮助 有资格. 医疗保险, 医疗保险 supplement insurance, or your employee or retiree health insurance usually will not pay for long-term 护理.
医疗保险 does NOT cover long-term 护理. 然而,医疗保险部分 A包括专业护理设施护理、养老院护理(只要是监护护理) isn’t the only 护理 you need), hospice 护理 and limited home 护理. 你不应该指望 医疗保险 to pay your long-term 护理 costs.
医疗保险 Supplement Insurance
医疗保险 supplement insurance (Medigap) is private insurance 帮助支付医疗保险的一些缺口，如医院免赔额和 physician charges greater than 医疗保险 approves. Medigap usually doesn’t pay for long-term 护理.
医疗补助计划 is the government-funded program that pays for nursing 家庭护理只适用于低收入和花费了大部分资产的个人. 医疗补助计划 pays for nearly one-third of all nursing home 护理 in the U.S.，但许多人 need long-term 护理 never 有资格 for 医疗补助计划 assistance. 医疗补助计划 also pays for some home- and community-based services. To get 医疗补助计划 help, you must meet federal and state guidelines for income and assets. Many people start paying for nursing home 护理 out of 他们自己的钱和“花下来”他们的收入和资产，直到他们有资格 医疗补助计划. 医疗补助计划 then may pay part or all of their nursing home costs. 你可能需要使用 在医疗补助计划起作用之前，你的大部分资产都用来支付你的长期护理了. 你 may be able to keep some assets and income for a spouse who stays at home. 而且，你可能是 如果你的长期护理保险被州政府批准，你可以保留你的部分资产 a long-term 医疗保险 partnership policy.
State laws differ about how much income and assets you can keep and still be eligible for 医疗补助计划. (一些 assets, such as your home, may not keep you from being eligible for 医疗补助计划.) However, federal law requires your state to recover from your 根据一定的规则，你将获得医疗补助的费用. 联系 你的州医疗补助办公室，州老龄问题办公室，或者社会服务部门都可以学习 about the rules in your state.
What is the difference between a tax-qualified and a 非tax-qualified计划?
Benefits paid by a tax-qualified long-term 护理 plan generally are not 应纳税收入. Benefits from a non tax-qualified long-term 护理 plan may be 应纳税收入. Check with your tax advisor about the possibility of deducting a portion 所支付的保费中，除了涉及的个人税收后果.
Ask these questions before you buy.
- Do you have any serious health issues?
- What is your financial situation?
- Where would you prefer to live if you could no longer 护理 为自己?
- Who do you trust to make decisions for you should you 成为无行为能力?
- What are your end-of-life wishes?
提示 & 工具
Need help navigating long-term 护理?
消费者s Guide to 长期护理保险
NAIC’s 长期护理保险 Buyer’s Guide 提供您的信息，以作出更好的明智的决定，围绕长期购买 医疗保险. 查看 消费者s Guide to 长期护理保险 为了得到更好的 understanding of long-term 医疗保险 products.
Be prepared before you buy.
Long-Term 护理 is Different From Traditional Medical 护理
一些one with a prolonged physical illness, a disability or a 像阿尔茨海默氏症这样的认知障碍通常需要长期护理. 长期护理 服务可能包括日常活动的帮助，家庭保健，临时护理，临终关怀 照护，成人日托，养老院或辅助生活机构的照护.
Long-Term 护理 Can be Expensive
The cost depends on the type of 护理 provided. 在2017年, U.S. average for nursing home 护理 was $82,125 per year. In assisted living facilities it 是每年43435美元吗. 家庭健康 护理 is priced hourly at approximately $21 per hour, per 家庭健康助手.
你 Have Options When Paying for Long-Term 护理
这些包括 using personal resources, long-term 护理 insurance and 医疗补助计划 for those who 有资格. 医疗保险, 医疗保险 supplement insurance and 你工作时的健康保险通常不会支付长期护理费用.
Decide Whether 长期护理保险 is for 你
Whether you should buy a long-term 医疗保险 policy will 这取决于你的年龄、健康状况、总体退休目标、收入和资产. 保险费是 昂贵的. If your only source of income is a Social Security benefit or Supplemental 安全收入(SSI)，你可能不适合买长期护理保险. 在 另一方面，如果你有能力支付保费和你希望保护的资产，一个长期的 医疗保险 policy may be right for you.
Pre-Existing Condition Limitations
A long-term 医疗保险 policy usually defines a 既存状况是指你接受过医疗建议或治疗或曾经患有的疾病 symptoms within a certain period before you applied for the policy. 一些公司看 further back in time than others. Many companies will sell a policy to someone with a 预先存在的条件. However, the company may not pay benefits for long-term 护理 related 在政策生效后的一段时间内，通常是六个月. 一些 companies have longer 预先存在的条件 limitations or none at all.
Know Where to Look for 长期护理保险
长期护理 insurance is available to you in several 不同的形式. 你 can buy an individual policy from a private insurance company or agent, 或者你可以通过雇主或协会会员购买团体保险. 联邦政府和一些州政府提供长期护理保险 to their employees, retirees and their families. 你 can also get long-term 护理 benefits through a life insurance policy. 一些 states have long-term 医疗保险 programs designed 帮助人们减少开支以满足医疗补助资格的经济影响. 检查你的国家亚虎娱乐pt777手机或咨询项目，看看这些政策 are available in your state.
Check With Several Companies and Agents
联系 several companies and agents before you buy a long-term 保健政策. 一定要比较一下福利，所覆盖的设施类型，你的限制 coverage, what is not covered and the premium. Policies from different insurance companies often have the same coverage and benefits but may not cost the same. 一定要问 公司关于他们的利率增长历史和他们是否增加了利率上 long-term 医疗保险 policies.
Don’t be Misled by Advertising
Most celebrity endorsers are professional actors paid to advertise, not insurance experts. It is also important to note that 医疗保险 does not 背书或销售长期护理保险政策，所以要小心那些暗示 涉及医疗保险. Do not trust cards you get in the mail that look like official 政府文件，直到你向政府机构核实卡上的身份.
Make Sure the Insurance Company is Reputable
To help you find out if an insurance company is reliable, you 可以采取以下行动:在你签署任何东西之前停止，打电话给你的州保险公司 并确认该保险公司在你的州有营业执照. 在你确定他们是有执照的之后，检查公司的财务稳定性 检查他们的评级. 你 can get ratings from some insurer rating services for free at 大多数公共图书馆.
Review 你r Contract 护理fully
When you purchase long-term 医疗保险, your company should 寄给你一份保单. 你 should read the policy and make certain you understand its contents. 如果你对你的保险单有疑问，请联系你的亚虎娱乐pt777手机 澄清. If you still have questions, turn to your state insurance department or senior insurance counseling program.