There is a growing movement among health care providers that underscores something we in the long term care industry have understood for years: helping chronically ill people receive the care they need while remaining in their homes is not only what people prefer but can also be considerably less expensive than traditional facility care. That’s why our policies include benefits designed to help your clients stay in their home as long as possible.
According to a recent article in The Atlantic magazine, home-based primary health care is gaining traction as “a more humane, effective, and affordable healthcare system” than traditional facility care. In his article The Hospital Is No Place for the Elderly, journalist and activist Jonathan Rauch points to home-based primary care as a way to avoid the huge expenses and potential problems of a “revolving door of hospitalization.”
At Transamerica we understand that your clients want to maintain their independence. They want the freedom to be able to make decisions about how and where they receive their long term care. While health and long term care insurance differ in the services they provide, we believe that home care benefits are very important for any LTCi policy. That’s why we’ve included benefits for home care in every policy, all with a 0-day elimination period. It’s also why each Transamerica LTCi policyholder is provided access to a Care Coordinator at no additional charge who can work with your client and their family to help develop a Plan of Care and find care providers. A Care Coordinator is available from the first day of Benefit Eligibility.
Click here to learn more about the benefits of Transamerica’s Zero Day Home Care EP