Take 2 - Special Edition, March 2000

Comparing Long-Term Care Coverage

 

Medicare

 
Medicare Supplement Plans

 
Typical Benefit Programs

 
John Hancock Long-Term Care insurance

SKILLED NURSING CARE

A facility that is either licensed to provide skilled or intermediate nursing care

First 20 days are paid by Medicare. The 2lst through 100th require a co-payment of $97 per day (in 2000); after 100 days there is no coverage.

Coverage varies, usually no payment or only small percent of Medicare co-payments.

o

No substantive benefits are available

Covered up to the specified Daily Maximum Benefit (DMB) and Lifetime Maximum Benefit (LMB)

RESIDENTIAL CARE FACILITY

A facility that provides personal custodial care to five or more residents. Includes facilities that are designed expressly for Alzheimer's or other "cognitively impaired" patients.

o

Not covered

o

Not covered

o

No substantive benefits are available

Covered up to the specified DMB and LMB

HOME HEALTH CARE

Includes home health care, adult day care, personal care, homemaker services, hospice care, and respite care.

Coverage available up to 7 days a week, but only for a short period of time

o

Usually not covered

Coverage available after hospitalization

Covered up to the specified DMB and LMB

You may request enrollment information today.
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