Arkansas Medicare does not pay for all services in long term care. According to the census Arkansas has 13.8 percentages of people over the age 65.Many senior citizens need assisted living in Arkansas after their retirement years. People over the age 65 having chronic illness, often require long term medical care services.
Long Term care (LTC)in Arkansas
It is aimed to help people with long term diseases like dementia; Parkinson’s to perform their daily activities. It provides rehabilitation for people who need long term care.
ADL- Activities of Daily Living (ADL) such as dressing, bathing, eating, toileting people cannot perform for a long period of time.
Accident, illness, stroke, depression are many reasons when people need long term care.
Long term care can be given for providing companionship and supervision for senior citizens.
Long term care can be taken at home or at nursing homes and assisted facilities. It provides financial freedom and support to the senior citizens.
Long term care insurance protects your assets and you from sudden medical expenses.
You have many choices where you can receive long term care services according to your need.
Arkansas Long term policies cover
Home Health Care
Skilled care – Visiting nurses, Physical, speech and occupational therapies
Custodial care- Care at your home, Intermediate care
Adult day Care, Respite Care
Assisted Living Facilities
Assisted living home, Informal care, Hospice care and facility for Alzheimer’s
Nursing home stay
Terms and cost of Arkansas Long Term insurance
The terms and costs of Arkansas Long term care insurance vary among the companies.
The amount paid also varies by the type of care and the place of care.
Long Term Care Partnership
In Arkansas older citizens are provided with Long Term care Partnership coverage. Long Term Care Partnership coverage joins together the benefits of long term insurance care and Medicaid.
Long Term Care Insurance covers services from home care, community based services, assisted living and nursing facilities.
Medicaid policies cover many services except for some for the long term care.
To qualify for the Medicaid the senior citizen need very low personal assets.
Long Term Care Partnership policies are different than non-Partnership policies since they benefit asset protection.
Hence if senior citizens meet the Medicaid requirements and join Long Term Care Partnership policies they will save the money they earned for lifetime.