When Medicare stops paying rehab bill—bad things happen

Long Term Care Hospitals (LTCHs) are certified as acute care hospitals for patient with serious medical problems that require intense, special treatment usually for more than 25 days. Each year, Medicare sets thresholds for reimbursement for care based on five-sixths of the expected length of stay for a particular diagnosis. The thresholds vary by diagnosis … Read more

Is long-term care insurance worth it?

In the ‘80s when my grandmother bought long-term care insurance everyone thought she was nuts.  Twenty years later, my grandmother’s policy which covered her for unlimited lifetime benefits (a type of policy no longer offered) became useful and continued to be useful for nearly ten years of care as she fought and ultimately lost a … Read more

Should you buy Long-Term Care insurance?

Neither Medicare nor health insurance covers traditional “custodial care” despite many people’s beliefs to the contrary.  As our population ages, more people are living longer with chronic conditions, increasing the odds that you will be one of the people needing Long-Term Care.  With the cost of Long-Term care growing you would think that insurance to … Read more

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