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Won’t my health plan cover most of the same services as the Long-Term Care plan?

April 26, 2017cover Health long-term Plan Services

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Won’t my health plan cover most of the same services as the Long-Term Care plan?

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Most health plans will not. Health plans are designed to cover medically necessary care. The Long-Term Care plan is designed to cover custodial care. This means care to help you with daily activities such as dressing and eating. Even those health plans that pay for some nursing home, home health care or adult day care services limit the number of days they will cover. Long-Term Care generally provides benefits for many more days.