Florida Home Healthcare Insurance
Florida home health care insurance is more popular than ever. People want to stay in familar surroundings near friends and family for as long as possible. As a result, we have seen the daily benefit rise to meet the costs of more care hours. We recommend that you have a comprehensive plan that covers you at home, in assisted living and in a nursing facility. You will be hard pressed to find a reputible insurance company that is willing to sell you a plan that covers only home health care.
Florida Home Health Care Insurance Plans
What types of care does
the home health care portion of the plan cover?
In a facility, your expenses are very much the same from day to day. However, with home care, the expenses can vary. On certain days for example, you might have a homemaker come in to do cleaning, laundry and shopping. Or perhaps a friend or family member might be available to assist you from time to time. Everyone's situation is different. That is why we like plans that pay a monthly benefit. You allocate the money as you need it. But, a plan that pays out monthly is more expensive than one that pays a daily benefit. You have to weigh the cost versus the benefit.
Does the plan go into effect
immediately once I need it?
Like everything else in insurance, it is a gamble. Obviously, you can get a 90 elimination period for a lot less money than a 7 day elimination period. So, ask yourself this next question: If you had to pay for your own home health care, how much could you afford to spend? Many of you will answer my question with another question. How much does home health care cost if I had to pay for it myself? My suggestion is to get out the yellow pages and make a call. Any home health care agency will give you your answer. If you are dealing with me, I will do that for you.
By the way, I have a comprehensive plan (long term care and home health care combined) that offers a zero day elimination and charges you the same prices as a 90 day elimination periond. This is why it is so important to work with an agent who is not married to one insurance company.
How do I qualify for benefits?
What about homemaker serives?
How much benefit do I buy?
How long can I receive care
We have a Florida home health care insurance plan that will permit a healthy spouse to share their benefits with a partner that can not qualify for coverage. This is certainly another avenue to explore.
Florida home health care insurance
can be difficult to obtain. If you have been turned down for coverage
give us a call. We have this product as well as others that can help you
pay for home health care and nursing home expenses.
To contact us call 1-800-986-4786 (9AM to 9PM Mon - Fri & 10AM to 4PM on Weekends) or Click Here to send us an email message.