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Stroke

Medicare does not cover long term care insurance
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What does your long term policy say? Each document is very different and some do not provide enough coverage such as not paying up to your monthly needs
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LTCI is about paying $ to you to cover some of your long term custodial care costs. LTCI can pay towards care costs for you to remain in your home or to be a resident in a facility depending on what your policy reads. How the care is provided will matter too as that policy will require some level of professional care. Again just what depends on your policy.

You need to review that LTCI policy in detail for how and when it will be able to pay to you as per policy terms.

All LTCI will have an “exclusion period” that could be 30-120 days. The exclusion period has to be done before a claim can start paying. Some policies do not count the period of time in which your health insurance (Medicare, Blue Cross, Humana, etc) is paying for your care and this situation is usually that you are in the facility as a rehabilitation patient after a hospitalization. They will only start the countdown from the day you are completely private paying for your long term residential stay in a facility and no longer in rehab phase. But other LTCI will include those days in the countdown exclusion period. So reviewing LTCI in detail is beyond super important.
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Your Medicare is your health insurance.
Your Long Term Care is a contract that will pay for your care in home or in facility by providers.
They are two entirely separate programs.
Your Long Term Care would want you to access all your usual and normal Medicare provisions.

I am so sorry to hear you have a stroke, but we do need more information in order to know exactly what to need to know at this time. I am hoping you have family beside you to help negotiate the many questions and answers you will be needing to get through during recovery. I am wishing you the best.
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