How To Find Affordable Long Term Care Insurance In Oregon
Long term care can take on many forms, anything from the health care worker who comes to a clients home once a week and helps out with cleaning and laundry all the way to round-the-clock care in a nursing home.
All of us hope we will never need long term care, but the truth of the matter is more and more of us especially older citizens do need full or part-time help with some or all of our daily living activities.
Through the states Medicaid program the Oregon Department of Human Services determines which seniors are in need of assistance with Activities of Daily Living (ADL) and provides assistance based on a scale of 15 needs categories.
However, qualifying for state assistance is not always possible and the choice of care facilities and types of care available through Medicaid are severely limited and may not be right for you even if you do qualify for assistance.
The best choice for a healthy individual is to purchase affordable long term health care insurance from one of Oregons private health insurance companies and the earlier in life one buys such care, the lower the monthly...
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