Home Page |  About Us  |  FAQ's  |  Providers  | Applications  | California Birth Profiles  Contact Us 

HomeLong Term Insurance Blue Shield
LONG TERM BLUE SHIELD

Period of Care: A Period of Care usually begins on the first day you are eligible for benefits, and ends after a treatment-free interval during which you do not need any benefits. If you need care later, you may have to meet another Elimination Period.

Example: If your policy uses a 180-day treatment-free interval to measure the end of the Period of Care, and you leave the nursing home on June 1 and require no further care for 180 days, the Period of Care will end in 180 days on November 30. If you return to the nursing home before November 30, you will be in the same Period of Care and there will be no new Elimination Period. If you return to the nursing home again after November 30, you will have to pay your own expenses during a new Elimination Period.

Selecting the Elimination Period: Multiply the current cost of one day of care by the number of elimination days you plan to use. (Example: $141 X 30 = $4,230)². Then estimate the number of days you could afford to pay for your own care without liquidating any assets. That is the maximum number of days you should select as an Elimination Period. Although choosing a short Elimination Period increases your premium, the amount you will pay for your own care during an Elimination Period is likely to be much more expensive. Another factor to take into account is that the daily cost of care doubles about every 14 years. Your out of pocket cost for the Elimination Period you choose will increase as well. Remember that short nursing home stays are more common than long stays and many people may need long-term care services more than once during their lifetime.

Plan of Care: This is a plan written by your doctor or a medical team (such as a home health Agency’s health care team) that establishes your need for care, and describes the kind of care you need, and the frequency of the required services. The Plan of Care is a familiar document to your doctor, hospital discharge planners, home health agencies and other health care providers who know about long-term care services. Many policies also require that the Plan of care be updated periodically to reflect any change in your need for care.

Care Management: Some policies include Care Management features. A Care Manager may assess your condition, consult with your doctor, establish a Plan of Care, follow your progress, and recommend care providers.

² The average daily cost in California in 2002.

Long Term Insurance | Bluecross Long Term | California Long Term Insurance | Kaiser Long Term |

Long Term PPO plans| Long Term Medical plans | Long Term Dental Insurance |

Long Term Group Insurance | Long Term Blueshield | Long Term Health Insurance |

Long Term Health plans | Long Term Health net | Long Term Pacificare | Long Term Medical Quote |

Long Term Aetna PPO plans | Long Term Insurance Quote | Long Term HMO plans |

Long Term Life Insurance | Long Term Dental plans