There are many questions that have been left unanswered with ObamaCare. One of the main questions deals with long-term care insurance and specifically with end-of-life care. End of life care can mean hospice, long-term care needs for Alzheimer's, bedridden needs, home health needs, and a wide variety of other specific needs to end-of-life care. Unfortunately none of this is covered under the application process for affordable healthcare also known as ObamaCare.
Lack of Care
The truth is, during the application process the only thing that is covered under affordable healthcare is your major medical expenses. Major medical plans are offered for a specific premium amount depending on your income status, eligibility, and use of the tax credit that is offered to you by the government for use on your premiums. Though all of this is covered, end-of-life care and long-term care are not mentioned. There is no disclaimer or information on ObamaCare regarding end-of-life care or long-term care. This means that you could be facing a severe lack of care.
It does not necessarily mean you will not receive care. It simply means that there may be a lack of care coverage. The problem with this is many people are left with not only the question of how to afford and to obtain long-term care along with their affordable health care plan for ObamaCare, but also what to do in the case of end-of-life care.
End-Of-Life Care Versus Long-Term Care
End-of-life care can be very different from long-term care depending on the insurance brokerage and what type of coverage you are looking for. There are some coverage plans for long-term care that do cover what is considered end-of-life care. For example, long-term care may be covered with hospice. However, there may be certain hospice coverages that are not taken care of under long-term care. This may leave a considerable gap between major medical insurance, long-term care coverage insurance, and out-of-pocket expenses for end-of-life care that are not covered under another plan.
You may be wondering what sort of options you have if end-of-life care is not necessarily long-term care and long-term care insurance may not cover end-of-life care but is also not covered under ObamaCare. The answer is that your options are pretty much the options available to you now. This means that you would need to discuss your long-term care options and your end-of-life care insurance options with an insurance agent.
When you discuss your options with an insurance representative, you will need also discuss specific options that you are looking for. An insurance agent will only be able to assist you with questions that you have and the need to you present to them. If you're concerned about end-of-life care for yourself or for a loved one and if that care will be connected to your long-term care insurance or of other insurance or gap insurance will be needed then you will need to voice that to your insurance representative. An insurance representative is skilled and trained to help you find the best long-term care and end-of-life care insurance available. They will also be able to assist you with current of affordable care options and how those will work with your long-term care end-of-life care needs.