Home health care policy

This type of policy covers services
prescribed by a physician and from a
Medicare-certified or state-licensed home
health care service. The care must help with
activities of daily living or the supervision
or protection of a patient with cognitive
impairment (such as Alzheimer’s disease
or senility). Some policies offering nursing
home coverage automatically offer home
health care as well. Some companies offer
home health care as an option or rider to
a long-term care policy. A few companies
offer policies covering only home health
care. You may obtain more information
about policy options from your agent.
Nursing home care policy
This limited-benefit insurance policy offers
an alternative for some people and covers
either one level or several levels of care.
In Florida, the levels of care include
custodial, intermediate and skilled (defined
in the Glossary). Cognitive impairment or
the inability to perform one or more of
the activities of daily living will activate
the benefit.