Much like everything else, the cost of health care is on the rise leaving some unable to afford the medical bills they may face if their health were to decline. How would they remain at home, and how could they afford the help they may need?
Rather than hoping for the best, why not prepare for the unexpected?
With the BeWell@Home program, you can have the confidence of a plan in place that you, along with your personal Wellness Coordinator, have crafted specific to you, your goals, and your expectations. Then, if anything were to happen, your personal Coordinator will put your plan into action so you and your family can get the best care possible without having to worry about all of the complicated details.
With BeWell@Home, you will always have a plan that covers all of your long-term care needs for the rest of your life.
Pair your long-term health insurance with a plan that predicts and covers you from holes within your coverage. Long-term care insurance can be a complex and complicated program. With your personal Wellness Coordinator to help, you have an expert at the helm who knows not only the system but also your wishes and needs based on your individual plan.
| Long-Term Care Insurance | BeWell@Home |
|---|---|
| High premiums, coverage typically limited | Affordable costs |
| Coverage varies from policy to policy with eligibility limitations | Flexible, comprehensive coverage |
| Limited care coordination of service providers | Care coordination and caregiver continuity |
| Reimbursement / services dependent upon policy, network, and eligibility | Trusted provider with proven reputation in serving older adults for more than 100 years |
| You must be dependent in at least two activities of daily living before coverage begins | Any health change will activate your care |
| Coverage typically limited by type and duration | Options for care outside of home if needed |
| Specific policy limits and exclusions | Broad service package |
| You handle the paperwork and coordination of services yourself | You have a relationship with your Wellness Coordinator who partners with you as your needs change |
| Coverage typically limited by type and duration | Care options outside of home if needed |
| 30-360 days elimination period with out-of-pocket costs | No elimination periods |
| No referral services, social, or wellness programs | Includes referral services, social, or wellness programs |
| Claim focused | Relationship focused |
| Representatives available during business hours, not available on weekends | Wellness Coordinator available 24/7 365 |
From the moment that you meet your Wellness Coordinator, BeWell@Home members can take advantage of a myriad of services included in their plan.
Bring your questions and explore a retirement that maintains your independence while giving you the security of a continuum of care right at home. Learn all about how BeWell@Home could be your retirement solution at one of our upcoming seminars.