Does it cover home health care, as well as skilled, intermediate and custodial nursing home care?
These provisions give you an option to stay at home and receive care, as well as to receive all levels of care in a nursing home. That way, if your condition changes, you don’t lose any benefits. 5. Do I have to be hospitalized before benefits begin? Buy a policy where hospitalization is not required. You may simply start needing home health care, and your medical insurance might not pay for a hospital stay, in which case you would have to pay out-of-pocket for a hospital visit. 6. What are the conditions that trigger benefit payments? The conditions should consist of cognitive impairment of any kind. It should explicitly include Alzheimer’s disease, and should include the inability to perform two out of five or six activities of daily living (ADL) — usually eating, bathing, dressing, using the toilet, “transferring” (moving unassisted from a bed to a chair for example), and continence. 7. What are the daily reimbursements for home health care and nursing home care? Know the cost of t
