Extended Home Care (EHC)

The most likely used insurance, however, the least likely purchased.

What is your plan when you get home from a hospital stay?
Extended Health Care (LTC) is the most likely used insurance.  The older you get, the more expensive a long-term care policy costs.

Did you know?

  • 43% of all extended care is for people under 65.
  • 70% of all Americans will suffer an illness, accident or work injury that will require Extended Home or Facility Care, at some point in their life.
  • An extended care event, in the family can have a devastating impact on your family’s finances.
  • Major medical insurance does not cover the cost for Extended Home or Facility Care.

Advantages of EHC

  • Tax deductible premiums.
  • Provides care when you cannot perform your daily activities.
  • Picks up where your health insurance ends with no waiting period.
  • Fund from Health Savings Account (HSA)

New Health Insurance laws that affect you
If you are stable, you are able.
With the new Affordable Care Act, hospital care and procedures have changed just as insurance benefits have changed.  In addition to your care at the hospital, you may need to arrange for assistance when you return home.   When a patient becomes stable, they are able to return home from the hospital  - often times when continuing care is necessary.  Extended Home Care is a supplement to your existing health insurance plan for while you are in the hospital and at home.

Custodial Care
Custodial care is help you receive if you are unable to perform daily living activities without assistance.  These activities include eating, dressing, bathing, toileting, continence and transferring.  This also includes light household chores, transportation, yard work and someone acting as a companion.