When you talk to an insurance agent about receiving long-term care insurance or obtaining a policy for long-term care insurance, then you may be wondering what services are not covered. Insurance companies will be able to tell you exactly what services are covered and may even have a list of your coverage options beginning on your illness or issues. However, finding out what services are not covered under long-term care insurance may be a bit more difficult. The following are a few services that are definitely not covered under long-term care insurance and may need to have other insurance, gap insurance or a pay out-of-pocket option.
Any pre-existing condition is not covered under long-term care insurance. For example, if you have cancer and you currently do not have long-term care insurance and you will possibly not be able to get long-term care insurance to cover your cancer needs. You will however be able to get insurance on anything that is found after cancer. This may or may not be covered if you find that you had another illness that is directly connected to your cancer pre-existing conditions. That will greatly depend on the insurance company that you use for long-term care coverage.
Prescriptions Connected to Pre-Existing Conditions
If you are prescription or set of prescriptions that is connected to a pre-existing condition and the pre-existing condition as well as the prescriptions were not connected to current long-term care coverage then those will not be able to be covered on new long-term care coverage options. In fact, many prescriptions are not covered under long-term care. Long-term care may make exceptions for situations such as illnesses connected to Alzheimer's or cancer that are found after the long-term care insurance is in place. However, this would be a question for your insurance provider or insurance representative.
Mental Health and Nervous Disorders
Any type of mental illness or nervous disorders such as anxiety or depression is not covered under long-term care insurance. For example, if you have depression and depression turns into something that requires long-term care treatments that it will not be covered under long-term care insurance. This also includes medications replicated with mental health and nervous disorders as well as other issues directly connected to mental health and nervous disorders. Any type of long-term care stay that is part of a mental health issue is not covered under long-term care. If you need to find out if a particular issue is considered mental health or a nervous disorder then you will need to contact your physician as well as your insurance care provider in order to determine if it will be covered or if it is excluded from your long-term care insurance plan.
These are just three of the main areas that are not covered under long-term care insurance. If you have any of these issues you will need to apply for a gap insurance, pay out-of-pocket, or come up with another suitable option to cover these conditions and your long-term care due to these conditions.