Rhode Island Medicare does not pay for the long term care for services other than medically necessary. Long Term Care is necessary for people suffering from chronic disease and people of nay age with cognitive disabilities.
Rhode Island Long Term Care Insurance covers many medical and non- medical services for the people suffering from chronic illness. Rhode Island Medicare covers skilled nursing and home care services. Rhode Island Long Term Care Insurance covers custodial care which Medicare does not cover.
Steps to check before planning for the Long Term Care Insurance Policy
- Read about the policy coverage.
- Search for the policy with the affordable premium.
- Compare the policies with your health care needs.
- Find out the services covered in your area.
- Determine the level of health care needed
Rhode Island Long Term Health Care options
1) Home Health Care
a) Skilled care
b) Custodial care
2) Community Care
a) Adult day Care
b) Respite Care
3) Assisted Living Facilities
a) Assisted living home
b) Informal care
c) Hospice care
d) Facility for Alzheimer?s
4) Nursing Homes
Nursing home stay
Cost of Long Term Care in Rhode Island
In long term care insurance the policy continues to give benefits till the insured person needs long term care. Long term care insurance usually pays every day a fixed amount for the insured person?s care. The terms and costs of Long term care insurance vary among the companies.