With Americans living longer than ever, 随着年龄的增长，贝博足球app大多数人在日常活动方面都需要一些额外的帮助.² 长期护理保险的好处超出了你的健康保险可能涵盖的范围，如果你年老了，它会补偿你所需的帮助你维持生活方式的服务, injury, illness, 或者认知障碍让你很难照顾好自己.

Long-term care may benefit:

Families who want to help protect their loved ones, lifestyle and assets.

Retirees and Pre-retirees wanting to 保存他们辛辛苦苦攒下来的钱.

Individuals who may not have someone to care for them or significant assets to pay for these costs.

不可能预测你需要长期治疗的可能性 care, or how long you may need it. And since cost of care can be expensive, it's 了解几年的长期护理对经济的影响是很重要的.

Nursing Home Care: The average cost of a 在私人医疗保险认证的长期护理房间一年的护理是 $107,000.⁴

Home Care: The average in-home care costs $50,918 a year for 40 hours of help per week.⁴

Assisted Living Care:在一间有一间卧室的辅助生活护理设施里住一年 averages $57,000 per year.⁴

请查询您所在地区的医疗费用信息 click here.

许多人认为，政府项目，如医疗保险 医疗补助计划将支付他们未来所有的长期护理费用 needs. 令人惊讶的是，他们可能只支付其中的一部分 services and have many restrictions.

Medicare: May cover a maximum of 100 days of services after a hospital stay.² Coverage is designed to assist 人们在短期恢复期间，不包括 personal care or supervision services.

Medicaid: 如果你的资产和收入有限 relying on Medicaid, 国家可能会代表你做出关键的护理决定, including where you receive the care you need.

贝博手机app的AARP长期护理选择¹ 提供有价值的资源，帮助您找到 coverage that's right for you. Request your free 长期护理指南今天和经验丰富 贝博足球app下载代理会联系您回答 your questions and explore your options.