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Long Term Care Health Insurance Options - Guide to Policies Albany GA

In any case, additional options to your policy will be quite limited. Having said that, one of the biggest issues with long-term care insurance is making sure that benefit's are available when you need them. Some policies have limitations on when you can restart benefit's after having stopped them.

Harold Lundy
1091 Ashland Drive
Statham, GA
Company
Company: Lundy Insurance Group, Inc.
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Alternative Investments,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Life Insurance,Long-Term Health Care Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

Data Provided by:
Sam Evans, MBA, CFA
4989 Peachtree Parkway
Norcross, GA
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
MBA - Financial Services; Lipscomb University; Nashville, TN
Major: Accounting; Lipscomb University
Service
Real Estate Investment Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Wealth Engineering,Asset Protection Strategies & Planning,Pension for Highly Compensated Owners,Fee-Only Comprehensive Financial Planning,Stock Market Alternative,Wealth Management,Medicaid,Alternative Asset Class Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Portfolio Engineering,Mortgage Refinancing,Hourly Financial Planning Engagements,IRA,

Data Provided by:
Lem Howard Insurance (State Farm)
(770) 482-1669
2716 Evans Mill Road
Lithonia, GA
 
Atlanta getSTDtested
(866) 749-6269
315 Boulevard NE Ste 240
Atlanta, GA
 
Markel Insurance Services
(770) 982-7051
3100 Five Forks Trickum Rd., SW
Lilburn, GA
Prices and/or Promotions
Affordable Georgia Health Insurance

Noah Reichert
2450 Atlanta Hwy
Cumming, GA
Company
Company: North Georgia Investment Planning LLC
Education
Georgia State University/BS PUblic and Urban Affairs
Georgia State University/MBA in Finance
Years Experience
Years Experience: 5
Service
Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Individual Income Tax Planning,Pension for Highly Compensated

Data Provided by:
American General Life
(770) 518-0277
8235 Dunwoody Pl
Atlanta, GA
 
New York Life
(404) 250-3014
5607 Glenridge Drive
Atlanta, GA
 
Baba Ramdev Health Products
(678) 534-5423
Baba Ramdev Health Products 5675 Jimmy Carter Blvd STE 535 Norcross, GA 300
Atlanata, GA
 
Tracy Melvin Insurance
(706) 294-9484
-
Augusta, GA
 
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Long Term Care Health Insurance Options - Guide to Policies

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What Other Options Can I Get With My Policy?

Long-term care insurance, unlike many other types of insurance, is a fairly straightforward insurance product. While long-term care policies have additional options you can get, just like most other insurance, you may or may not need anything added onto the basic coverage. In any case, additional options to your policy will be quite limited.

Having said that, one of the biggest issues with long-term care insurance is making sure that benefit's are available when you need them. Some policies have limitations on when you can restart benefit's after having stopped them.

Lets look at an example. You have been in a serious car accident. Your doctor tells you that you will need to be off work for 18 months to two years in order to fully recover. In that time, you will only regain your ability to care for yourself slowly. Some aspects of your recovery could be partial. Your spouse works, and you'll need that income to cover your finances. Who will work with you at home? Who will make sure you make it to physiotherapy? Who will help you to continue therapy at home?

This is where long-term care comes in. You can hire an appropriate support person who will be able to meet your needs while your family and friends are at work. You can have them at your home for as long as you need them. And the costs are paid.

As a result, one option that you might consider getting on your policy is a clause that ensures that benefit's can be restored later, if needed. Lets say that you ended up needing care again. Perhaps you suffered a re-injury. Youd want your long-term care insurance to kick back in, right? If so, you want to ensure benefit's. This feature will put benefit's back in place, as long as you have recovered for a specified period of time. Typically, you need to have been without benefit's for 6 months before they can resume.

One other option to consider is non-forfeiture benefit's. If you are seriously ill, the ...

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Georgia State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, ambulatory surgery centers, athletic trainer, autism, bone marrow transplant, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, chlamydia screening, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dependent coverage (including newborns, adopted children, dependent student/adult, disabled dependent adults, diabetes (self-manangement and supplies), emergency room service, first nurse assistant, habilitative service for congential or genetic defects, hearing aids for minors, heart transplant, in vitro fertilization, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, morbid obesity treatment, off-label drug use, optometrist, ovarian cancer screening, prostate cancer screening, psychologist, TMJ disorder, vision care service, well child care

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