If you require custodial care, you may have noticed that Medicare, Medicare Advantage, Medigap plans, and private health insurance providers offer no coverage. Medicare defines custodial care as “non-skilled personal care, like help with activities of daily living like bathing, dressing, eating, getting in or out of a bed or chair, moving around, and using the bathroom.” In some cases, care can also include cooking and doing laundry. Even something as simple as putting in eye drops or taking care of health-related care that most could do on their own falls into the category of custodial care. Without getting the care you need to live a normal life, your quality of life will suffer greatly, and not having an insurance plan to cover it, could spell disaster for your finances.
Custodial care insurance covers what is mentioned above and is not to be confused with assisted living insurance. Assisted living insurance covers the costs associated with being placed in an assisted living facility, while custodial care covers the non-professional at-home care you may require on a daily basis. Medicare does not cover assisted living facilities either, however Medicaid may cover this sort of care if the care is provided in a nursing home and not at home.
According to long term care estimates by the federal government, 70 percent of those 65 or older will need some kind of long term care. Whether you are in need of assisted living insurance or custodial care insurance, make The Health Insurance Shoppe your choice for insurance assistance. We know how important it is for you to get the care you need, be it for yourself or a loved one. Serving individuals of North Carolina and South Carolina, our team of experts will be happy to help you find the plan that fits with your lifestyle and budget. Don’t hesitate to give us a call!