Long Term Care

What Is Long Term Care?

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

Testimonials

“By the way, as I said, my husband went in for a knee replacement, had a stroke and was there 3 weeks and then needed a nursing home/rehab place.

The one recommended to us was fully covered by Mutual of Omaha. Had we chosen the Medicare Advantage plan, he wouldn’t have been able to go there. They won’t pay. the hospital person helping me was relieved to here we had straight Medicare and a supplemental.”

-Chris, Happy Customer

Testimonials

"Well THANK YOU SWEET GIRL, this morning I need some good news to start my day off. All of you have been so easy to work with and helpful, I cannot imagine doing this on my own. You have saved my insanity and I appreciate all that you and Arlene have done for me!!! Your Friend Forever!"

-Audrey (Patty) S, Happy Customer

Testimonials

Matt, I want to say a GREAT BIG THANK YOU for all your assistance in helping me make my decision on my Medicare supplement. You were so willing to take the time and explain my options. I have already recommended you to others and will continue to do so. You are the best.

-Carlene, Happy Customer

Testimonials

Jim, Just a quick note to say Thank You for your help in selecting a Medicare supplement plan. Your simple as 1,2,3 explanation clarified for me how Medicare works and helped me make a decision after a month or so of sorting thru a myriad of paperwork and plans that I could not figure out on my own.

-Jed K, Happy Customer

Testimonials

I would like to thank you for helping me with my Medicare Supplement Plan. It can be a very confusing time trying to sort out everything. Mr. Fred Lewis is truly a great asset to your company. He explained everything in a very logical and concise manner. He had a lot of patience for all of the questions that I asked. He always was able to answer them and make me feel comfortable about everything. When Fred told me that somebody else would contact me about the drug plan, that is exactly what happened. Everything that Fred told me would be sent to me, was. I really appreciated the time and knowledge that was put into helping me. I now feel much better knowing that everything has been taken care of and handled.
I would recommend your company to anyone who is interested in getting a Medicare Supplement Plan. Thank you again for all of your help and for Mr. Fred Lewis.

-Margaret M, Happy Customer

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