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Reply to "Long term care insurance"
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[quote=Anonymous][quote=Anonymous]We were really surprised to find out that no particular nursing home is obligated to accept your LTC insurance. We were fortunate that when we suddenly needed to find a facility for our mom there was one available that took her insurance. If you think you might want to end up at a particular place some day make sure they take whatever your insurance is. Of course that could change. [/quote] Usually they’ll take your money first and then expect you to collect from your insurance policy. So if they charge you more than what your benefit is you are on the hook for the difference. Structurally they do not have any relationship with the LTC insurance carrier. They will help you fill out the paperwork to get reimbursed though (for a small fee in some cases). [/quote]
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