According to information found on Blue Cross Blue Shield of Alabama’s website 1 out of 5 people over the age of 50 will need some form of long-term care in the next year.  About 40% of people in the US who need long-term care are under the age of 65.  This shows that everyone should understand long-term care options just in case.

Long-term care is often needed because of a severe accident, a stroke, or a debilitating medical condition.  These circumstances could happen to anyone so understanding options is important.  Less than 20% of long-term care is providing in a nursing home.  Most of this type of care is offered at home or home health care agencies.  Most individual health insurance and group health plans are not designed to cover long-term care.  They usually only pay for short term and recovery care.

In Alabama, it could cost someone who needs long-term care up to $50,000 per year.  Preferred LTC offered through BCBSAL can help to protect you and your family financially plus ensure you receive quality care in case it is needed.  This type of insurance is exactly what can help keep you out of the nursing home as it covers health care needs and allows you to receive the care in your own home.