Question may be way too general...

carrie630September 24, 2010

but if someone has Long Term Health Insurance, does it pay for some of the monthly assisted living costs if one needs to be in assisted living?

I am thinking about someone I know whose Dad has dementia and no one can take care of the bill but he has LTHInsurance and some money saved.


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Someone will have to read his policy or call the insurance company. Some policies may cover custodial care, some may be more limited. I don't think that any of these policies cover assistance in your own home, altho I might be wrong (out of date).

    Bookmark   September 24, 2010 at 7:30PM
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Thanks, sushipup -

I imagine that is true, every long term health insurance policy is different - I'll relay info

Thanks :0)

    Bookmark   September 24, 2010 at 7:57PM
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Here in CA there is a program called HICAP (Health Insurance Consumer Advocacy Program, it is SUPPOSE to be a federal program.

Their sole purpose is to help Consumers better understand their health insurance and to help fix any knots their insurance my be tied-up in. Very few people here know about the program, i spread the word when i can, perhaps there is a similar program in your state. web-search HICAP and see where they lead you or get in touch with your state's insurance commissioner.

    Bookmark   September 26, 2010 at 9:59PM
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