Florida long term care insurance does not have to be confusing or expensive to buy. This site will teach you things you won't learn anywhere else.
This is more than just a FREE guide to Florida long term care insurance. This is the voice of reason and experience trying to help you find the long term care insurance coverage you need without going broke.
If you want to give me a call and ask questions about what you see here, I will be glad to talk to you. But please read the site first.
What makes us different - We are a Florida based agency. Most of the other long term care (ltc) sites are out of state lead generation sites (look at their addresses). That means they are selling your information to any agent who wants to buy it. Is this what you want? Be safe. Contact us and the only who will bother you with an annoying, obnoxious phone call is me.
Needs Florida Long Term Care Insurance - Or Maybe Just a Little
There is a tendancy for agents to try and sell you plans with unlimited coverage, lots of options and high daily benefit levels. But, sometimes, like dealing with a petulant child in a candy store, you just got to put your foot down.You need to work the insurance into your personal finanical picture. It is not a "one plan fits all" situation. There are a lot of questions that must be asked.
How come an insurance agent never asked me questions like this? They just came in and started selling.
The state test to sell long term care insurance in Florida requires 40 hours of classroom time. This time covers life, health, annuities, regulations, the works. The agents are not properly trained and quite frankly, they just want to close the sale before someone else does and move on. It is a matter of professionalism and personal pride in what you do.
But, I think you are starting
to get the picture. It is not a commodity like a pound of onions. You
don't just ask for the cheapest plan and call it a day. You need to think
this through and have someone open up your mind so you can consider what
you really need.
About Florida Long Term Care Insurance Riders and Benefits?
Rather than stuff everythin
on one page, I created another page just for this topic. Click
here to read about Long Term Care Insurance Benefit Selection.
You need to read this and now is as good a time as any.
Same plan but different prices. How can that be?
How is this possible and what can I do about it?
1. You need to decide
what features are important to you and stay focused on these core requirements.
Certain Florida long term care insurance riders can raise the premium
considerably yet add only marginal value. The "super-deluxe"
plan might sound attractive but is it really offering you better protection?
4. Is your Florida long term care insurance company a household name? Don't pay extra because you saw your company's name on a Super Bowl advertisement or a television commercial. There are billion dollar companies with names you might not recognize that can offer you a better value.
5. There are always
unexplained differences in premium between carriers. You need to have
an agent who can quote from multiple carriers and give you the best balance
of price and benefit.
7. For reasons we cannot
fathom, we have found that many people buy a plan from one of the following:
The folks who buy from us are
impressed with our product knowledge, professionalism and the attention
we give to their personal circumstances. Although, if I were sweeter and
wore a tie I could probably double my sales.
am not going to give you a long-winded speech about the importance of a
long term care and/or home health care plan. We talk to people all the time
who call us after the are uninsurable. The call us from the hospital or
from nursing homes. Everyone seems to be waiting for their next birthday.
Just another excuse. On your next birthday the plan is going to be more
expensive. On your next birthday you might not be insurable.
Who Robbed My Benefits?
You pay your premiums for years and then the time comes when, due to an illness or accident, you want to use your plan. Lo and behold, you do not qualify for benefits. What happend? Did anyone see the mugger?
Who determines if you are
entitled to benefits?
Some policies evaluate mental functions to determine the qualifications for benefits. Even though insurance regulators require policies to cover Alzheimer's disease, a policyholder who has the disease can be denied benefits if he or she is physically able to perform the activities of daily living specified in the policy, unless there is a mental functioning criteria. If the policy uses only ADL's, an insured with Alzheimer's disease may not qualify even though they are at risk for forgetting to take medications and may forget to come home after they walk to the corner store for a loaf of bread. With a mental functioning standard, a policyholder with the disease is more likely to receive benefits.
Stand-by versus Hand-on
What is Care Coordination
A number of plans will eliminate or reduce their elimination periods if you agree to care coordination. I believe it to be to the benefit of the patient and not the detriment to use one.
With the great number of "boomers" holding long term care and home health care policies, there is no doubt that there will be a showdown sometime in the future over benefit eligibility.
If you stay with the better carriers, you should have no difficulty when the need arises in using your benefits.
Are you still confused? Need help in deciding what features and benefit levels you should have? Need to talk with someone on the phone without feeling the pressure of having someone sitting in front of you trying to sell you a plan? Then...
Give us a call 800-986-4786 from 9 AM to 9 PM Monday - Friday and we will help you find the best plan at the best price. We wrote the book didn't we?
Ohio Health Insurance, please click here. - health insurance
information and plans for Ohio residents
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