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Long Term Care Health Insurance Options - Guide to Policies Charlotte NC

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.

Blue Cross/Blue Shield of N.C.
(704) 561-2700
P.O. Box 35209
Charlotte, NC
 
Humana MarketPoint
(704) 643-1009
6100 Fairview Road
Charlotte, NC
 
Health Markets Insurance Companies
(704) 564-1106
5000 Nations Crossing Rd
Charlotte, NC
 
HealthMarkets
(704) 685-5576
8520 Cliff Cameron Drive
Charlotte, NC
 
Jordan Insurance Agency (The)
(704) 926-7565
15720 John J Delaney Drive #300
Charlotte, NC
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Lash Group Healthcare Consultants
(704) 357-8869
3735 Glen Lake Drive
Charlotte, NC
 
WellPath
(704) 357-1421
2815 Coliseum Centre Dr., Suite 550
Charlotte, NC
 
Liberty Mutual
(704) 596-4045 Ext:224
10420 Harris Oak Blvd, SteC
Charlotte, NC
 
Jordan Insurance Agency (The)
(704) 926-7565
15720 John J Delaney Drive #300
Charlotte, NC
 
Johnson Insurance Group
(704) 854-8646
1905 E. Garrison Blvd.
Gastonia, NC
 

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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North Carolina State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, birthing center/midwife, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, cleft lip and palate, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, foster children, disabled dependent adults), diabetes (self-management and supplies), emergency room service, facility (public and other), family therapist, lymph edema, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, newborn hearing screening, nurse (including midwife, anesthetist, practitioner, psychiatric), off-label drug use, optometrist, ovarian cancer screening, pastoral counselor, pharmacist, physician assistant, podiatrist, professional counselor, prostate cancer screening, psychologist, social worker, TMJ disorder, well child care

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