Tuesday, November 24, 2015

The Convenience of Long Term Care Quotes

The ability to provide fair and reliable long term care insurance quotes online makes an insurance company more trustworthy.  Most Americans are seeking honest information on LTC before deciding on purchasing a policy.  Extensive information has a big influence on an individual’s choice for it supplies them the details of LTC health insurance and the basics in selecting the right plan.

Companies have made it easy and convenient for interested clients to get free and personalized quotes.  It is now possible to access them through a single click.  Almost all insurance companies have websites where a certain section is allotted for quote requests.  No need to personally visit the offices.  All it takes is just a few minutes to fill up forms and provide the necessary information.  After a few hours or one business day, a tailor made quote can then be emailed to the client.

Most forms require basic information like name, address, and contact details.  The area where the client lives also determines the cost of insurance.  Prices of services vary depending on the location. Inquiries on health classification and health issues are also included.  In here, the length of service needed should also be specified. These are to better assess the needs of the client and be able to create a more accurate policy.

There is a great benefit in getting long term care quotes and getting insured now.  This is to help an individual anticipate future health problems and the high expenses of medication and treatment.  One should always remember that age is not a determining factor.  Anyone can get ill anytime and require medical help and assistance on daily living activities.

Doing an extensive research about insurance companies and the LTC they provide can be done online.  This already saves the client time and money for there is no need to run from one company to another.  It is easier to learn about long term care, compare the rates, and start saving.  The internet has allowed the access to various insurance options including the different plans available and the costs that come with it.

Having an idea about long term care quotes can help individuals find an insurance that can suit their budget.  It is ideal to ask for the rates of various companies and scout for the lowest price.  However, finding the best price may not necessarily mean finding the best policy.  It is important to study the coverage included and the benefits provided.  Make sure to inquire on what is included in the rate and what services are extra. Then analyze if the rate offered is worth the value of the services.

LTC rate computation is usually free.  Most companies will give not only a quote but also contact information of an agent that can handle the client’s personal inquiries.  This is for more concerns on insurance quotes.  Clients can be rest assured that the details they have filled in the forms and have

shared to the agent will remain confidential. Learn about LTC, get a quote, and be concern about future health care needs.

Friday, November 20, 2015

Top Three Nursing Homes in Massachusetts

The state of Massachusetts has at least 930,000 residents aged 65 and older. According to the
estimates of the U.S. Department of Health and Human Services, around 651,000 (70%) of them will need long term care at some point and 372,000 (40%) will have to receive care in nursing homes. With these many people who will soon need nursing home services, it is important that the residents of Massachusetts know what to look for in a nursing home.

The Centers for Medicare and Medicaid Services (CMS) rates nursing homes on three areas namely health inspections, nurse staffing and quality measures. Based on their rating, the facilities mentioned below emerged as the three best nursing homes in the state.  They are the only ones in Massachusetts that received five-star ratings in four consecutive quarters from CMS.

1.     Bethany Skilled Nursing Facility – Operating since 1991, this nursing home now has 101 certified beds. It is open for Medicaid and Medicare patients. The facility’s licensed nurses spend about 77 minutes per resident per day. It is located in 97 Bethany Road Framingham, MA and its phone number is 508-872-6750.

2.     Duxbury House Nursing Home – This nursing home in Duxbury, MA provides skilled nursing and long term care to patients. Its operation started as early as 1920s when they served as the retirement home of the senior Sisters of St. Joseph of Boston. The nursing home only has 23 beds, all of which are occupied. Its registered nurses spend 76 minutes per patient on a daily basis; higher than the state average which is just 54 minutes. The facility’s phone number is 508-972-6750.


3.     Heywood Transitional Care Center – Located at 242 Green St., Gardner, MA, this facility owned by a not-for-profit corporation has 19 beds. It provide services for patients who are not yet ready to go home such as those who are recovering from stroke, heart disease, cancer and neurological disorders. Its phone number is 978-630-6126.

Although helpful, the ratings provided by CMS should only be used as a guide. People who need long term care and their loved ones should still visit nursing homes to see if the environment and level of care provided suit their preferences and care needs.


There are many factors to consider in choosing nursing homes. To learn more about them, http://www.altcp.org/. The website provides information about long term care and where to receive it.

Wednesday, November 18, 2015

Long Term Care Costs Comparison: The Less Complicated Way to Shop for a Policy

Long term care insurance was introduced more than five decades ago. Back then, people who want to buy a policy have to rely on door-to-door salesmen for information about LTC insurance costs. Today, however, with the emergence of websites that help people plan for long term care, we can now get free long term care costs comparison by simply filling up a short form. This makes shopping for a long term care insurance policy less complicated.

How to shop for a policy?

1    1. Assess your needs and preferences. You must be well aware of these so you would know the kind of coverage, benefits and features that you should buy.
 
2. Come up with a shortlist of insurance companies whom you want to entrust what you may greatly need in the future. Choose insurance companies with fewer lawsuits and complaints. Also consider their financial standing, overall market share and years in the business. More than the costs, the reliability of the insurance provider should be your primary consideration when buying a policy. You could end up wasting thousands of dollars in premiums if you sign up with an unscrupulous company.
 
3. Find a reliable website that gives free, no obligation long term care insurance quotes. There are many websites that offer this kind of service. These websites not only provide quotes, they also help people plan for long term care by educating them about the available care options and sources of financing, among others. One website that provides this service is www.altcp.org.
 
4. Once you have your comparative LTC quotes, choose the policy that gives the most value for your money. LTC quotes are great because they allow insurance consumers to see the prevailing rates of policies in a glance.
 

Comparative Long Term Care Quotes Sample
Specifications
Company A
Company B
Company C
Company D
Partnership Plan
Yes
No
Yes
Yes
Daily Benefit
$300
$250
$300
$300
Benefit Period
3 years
3 years
3 years
3 years
Elimination Period
90 days
90 days
90 days
90 days
Inflation Protection
5%
3%
3%
5%
Home Care Benefit
50%
100%
100%
100%
Shared Spousal Benefit
Yes
Yes
Yes
Yes
Annual Premium
$1,500
$1,400
$1,400
$1,500