How can I get an insurance plan that covers nursing home care?

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Asked January 30, 2012

1 Answer


The type of coverage needed for nursing home care is called long term care, or disability care. This type of insurance is meant to handle the needs of those who require continuous care over an extended period of time, including people who are suffering from the effects of disease and advanced aging.

Long term care policies are not created equal. Shop carefully, and read the exclusions and limitations of the coverage, with special attention being paid to nursing home and elder care facilities. Make sure that the policy you are going to buy includes the type of coverage that your case demands.

Another consideration for long term care is that it may not be needed for many years, so you want to make sure that you are dealing with a company that will be around for the long haul. Check the financial health of the insurance companies you selected by looking up the company on website such as the A.M. Best website, where the financial standings of insurers are monitored and posted for consumer to access. It will not help to purchase a policy from a company that is already having financial troubles, and insurance company ratings are the best method you have to find out which ones are strong and which ones should be avoided for long term policies.

You can purchase the coverage online or direct from an agent or insurance company. The important factor is that you are buying a policy which includes nursing home care, and that company you buy from is financially stable. Since insurance companies are regulated at the state level, policy specifics will vary widely from one state to another. Furthermore, not all companies are licensed to sell insurance in all states, and what may be the best policy available in one area may not even be an option in another.

Answered January 30, 2012 by Anonymous

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