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4 Ways To Avoid High Long Term Care Rates by Wanda Ford





Article Author Biography
4 Ways To Avoid High Long Term Care Rates by
Article Posted: 03/20/2012
Article Views: 35
Articles Written: 45
Word Count: 582
Article Votes: 0
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4 Ways To Avoid High Long Term Care Rates


 
Insurance
For most of the United States residents, the economic turmoil that they have experienced several years ago taught them to be more cautious of how they spend their money and other assets. But this is also one of the reasons why some Americans do not consider getting an LTC plan now. They tend to think that since the long term care rates are kind of expensive, they prefer to just let the time pass and hope that their savings would be enough for them to compensate for all the LTC facilities that they will use.

However, the only way where they can be sure that all their LTC needs are met and given to them is by acquiring an LTC plan. And the earlier they do so, the better. Why? Because the prices of LTC insurance continuously increase every year, even if the types of services and facilities that the policies provide are just the same.

Given the average rate of increase at 12 to 15 percent, those who are still not insured at this moment may expect higher and more expensive monthly premiums in the years to come. So if you are seriously looking into the possibility of getting your own LTC plan, you might as well start planning for now to save costs.

Early planning will not only give you the chance of getting much cheaper premiums but it could also provide your much needed time to evaluate and choose the right LTC policy for you. Remember that since there are several types of LTC plans to choose from, the individual is required to know the differences, advantages, and even disadvantages of each so that he could make best use of all his benefits.

Below are some helpful tips on how to get cheaper long term care rates:

1. Plan and avail your LTC plan early. While you are younger, healthier, and have stable financial resources, invest on an LTC policy so you could avail cheaper rates. Insurance providers usually grant lower premiums to younger and healthier applicants because it would take more years before they actually need their benefits, unlike those older buyers who might need to use LTC facilities much sooner.

2. Look for the proper benefit coverage period for all your LTC and health needs. The average benefit period usually lasts up to five years for those individuals without serious medical problem. But for those who have severe health condition, longer or even a lifetime benefit coverage period may be necessary, and this means higher monthly rates for his insurance policy.

3. Choose your policy’s waiting period wisely. Longer waiting period may give you lower monthly premiums but be sure that you can compensate for all the LTC services that you will use because your insurance provider will not pay for it unless the waiting period is completely satisfied.

4. Be sure to inquire about the LTC costs in the specific location where you will stay during your benefit coverage period because LTC rates vary by location. One area may have more expensive costs than the rest of the country even if their facilities are just the same.

The pointers listed above are just some of the most common and effective ways of saving on long term care rates . Insurance companies may have other different ways or factors that they consider to give you discounts so it would be better to contact them now and inquire about the possibilities of your LTC policy purchase.

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