Articles Editor's Blog Reader Mail

Long Term Care Health Insurance Options - Guide to Policies Kalispell MT

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.

Combined Insurance
(406) 885-7783
181 Jackson Peak Dr.
Kalispell, MT
 
Western Montana Medical Clinic
(406) 883-5680
6 Thirteenth Ave
East Polson, MT
 
State Farm Insurance - Brad Daws; Agent
(406) 587-4010
1716 West Main St. Ste. 2
Bozeman, MT
 
US Health Group
(406) 696-0586
2305 Constellation trl.
Billings, MT
 
Combined Insurance
(406) 885-7783
181 Jackson Peak Dr.
Kalispell, MT
 
John Shellenberger
P.O Box 4758
Bozeman, MT
Company
Company: Estate Conservation Associates
Education
Franklin & Marshall College A.B.
Stanford University M.A.
Years Experience
Years Experience: 34
Service
Supplemental Medicare Insurance,College Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Long-term Care Insurance,1031 Exchanges,Wealth Engineering,Stock Market Alternative,Wealth Management,Life Insurance,Inves

Data Provided by:
Ken Shepherd Insurance
(406) 586-4334
3508 LaramieSuite1
Bozeman, MT
Prices and/or Promotions
Lowest Prices

Affordable Health Insurance
(636) 391-2600
267 Clarkson Executive Park
St. Louis, MT
 
Trinity Massage Therapy
(406) 270-8394
1-14th Avenue West
Polson, MT
 
Metamorphosis
(406) 261-9321
302 1st Street W
Polson, MT
 
Data Provided by:

Long Term Care Health Insurance Options - Guide to Policies

Provided By: 

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 ...

Click here to read the rest of this article from Insurance Guide 101

Montana State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse treatment, autism, breast reconstruction, chiropractor, contraceptives, dependent coverage (including newborns, adopted children, dependent studenst/adults, disabled dependent adults, noncustodial children and stepchildren), diabetes (self-management and supplies), facility (public or other), home health care, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, naturopath, newborn hearing screening, nurse (midwife, anesthetist, practitioner), physical therapist, physician assistant, PKU/metabolic disorder, professional counselor, psychologist, social worker, well child care

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap