When it’s time to choose a long-term care plan, you need to think about several factors that might affect you.
For example, do you want to use Medicare health services? Do you mind switching the doctors you use? Do you want to find a plan with adult daycare or one where you can get help in your own home?
Choosing the right plan matters. The right plan will protect you when you need it most by giving you the benefits that you need.
Consider the convenience of the plans you’re looking at
You want your plan to allow you to keep your own provider or to make it easy to reach those on the network. You want to make sure the pharmacy is nearby or has services that make it easy to get what you need.
Always think about medications
Call the plan to make sure that your prescriptions will be covered. Some prescription plans vary, so your preventative or non-preventative medications may be charged at different rates (or be of no cost to you at all).
Think about special programs designed to help you
Some long-term care plans offer special programs that you may be interested in, like specific programs for managing asthma, diabetes or other conditions. You may want to ask the plan provider about special programs and how they could help you.
Your attorney can help you look at various plans and weigh their positives and negatives. That way, you’ll invest in the plan that is good for your long-term care needs in the future. Consider the options carefully, so you have the benefits you need in the future.