파트너십 정책
캘리포니아 장기요양 파트너십
파트너십 정책은 어떻게 받나요?
파트너십이 승인한 모든 정책에는 사용자의 요구 사항을 충족하는 양질의 정책을 보장하기 위한 특정 보호 장치가 필요합니다. 여기에는 다음이 포함됩니다:
- Inflation Protection – This protects the policyholder from covering the difference between what the insurance policy will pay, which is based on the costs of services when you purchased the policy and the actual cost of care when you need it. Every Partnership policy is required to have this protection, and the state highly recommends that you protect yourself by only purchasing a policy with inflation protection.
- 자산 보호
- Comprehensive Care Management – A process to assess, plan, coordinate, and monitor long-term care needs and services. Care management/care coordination takes an all-inclusive look at a person’s total needs and resources, and links that person to a full range of appropriate services, using all available funding (and informal) sources.
- Rate Increases Regulated by the California Partnership for Long-Term Care – Long Term Care is the care given to someone who can no longer perform activities of daily living.
Partnership policies have two unique features that make them especially attractive.
Care Management: The Partnership requires that a Care Management Provider Agency, approved by the State Department of Health Care Services and independent from the insurer, provide care coordination for Partnership policyholders.
Using a collaborative process, the care manager works with the policyholder, their family, and physician to complete a comprehensive assessment to determine the client’s needs and resources, and develop a detailed Plan of Care individualized to meet those needs.
- Plan of Care: In developing the plan of care, the care coordinator will consider the unique needs of the client and recommend alternatives for how those needs can best be met. It is likely that without the help of a care coordinator, a policyholder or their family would have no idea of where to find someone to provide the necessary care. Partnership regulations require the care coordinator to consider how the policy benefits can help meet the policyholder’s needs and how the needs might also be met through other sources, perhaps through community services or the client’s health coverage, etc. These other sources can help reduce the out-of-pocket expenses to the policyholder as well as help the policy benefits last as long as possible. The identification of other sources of care can be especially important for a person who has a policy designed to pay benefits for only one or two years. Furthermore, since the Partnership requires the care coordinator to live in and be familiar with the community in which the policyholder resides, he or she will have a good understanding of where the quality providers are.
- 케어 실행 및 모니터링: 케어 코디네이터는 종합적인 평가 및 케어 계획을 완료하는 것 외에도 보험 계약자가 원하는 경우 간병인에게 연락하여 필요한 시간에 간병을 제공하고, 지불 요금을 협상하고, 제공되는 서비스의 품질을 모니터링하기 위해 간병인이 가정에 상주하도록 할 수 있습니다.
Lifetime Asset Protection: This feature assures that catastrophic long-term care expenses won’t reduce you to poverty even if you run out of insurance benefits. That’s something other long-term care insurance policies do not offer (long-term care policies are a specific type of insurance policy designed to offer financial support to pay for necessary long-term care services.)
Here is how this special feature works. When you need care, your Partnership-approved private long-term care insurance policy pays for your care in the same way other high-quality long-term care policies would, but unlike a traditional non-Partnership policy, each dollar your Partnership policy pays out in benefits entitles you to keep a dollar of your assets if you ever need to apply for Medi-Cal services.
For most of you, the benefits of a Partnership insurance policy will provide all the care you will ever need. But you won’t have to impoverish yourself if you run out of insurance benefits and still need care. You can apply to Medi-Cal for assistance in paying the costs of your continued care and not have to “spend down” your savings to the poverty level. Each dollar your Partnership policy pays in benefits for your care is protected against Medi-Cal “spend down” rules. You may have to apply a portion of your income toward the cost of your care, but the assets you protected by purchasing a Partnership policy remain yours, for you and your spouse’s use or to leave to loved ones.
파트너십 정책의 비용은 얼마인가요?
A Partnership policy costs about the same or slightly less than other policies that offer similar coverage. Each insurance company offering Partnership policies has its own premium rates. However, the younger you are when you purchase coverage, the less expensive your premium will be. That is a good reason to buy earlier.
Unlike other policies, Partnership policies include lifetime asset protection and access to Medi-Cal services should you ever need them – an invaluable added benefit at no extra cost. This added protection and peace of mind comes only with the purchase of a Partnership policy.
Because of the Partnership’s asset protection feature, you don’t have to worry that you may run out of insurance benefits and end up spending the savings that you hoped to protect by having to pay for ongoing care needs. The asset protection feature allows you to purchase policies with coverage equal to the amount of assets you want to protect, from approximately $47,000 up to your total assets, with the assurance that these assets are protected for life, no matter how extended or expensive your long-term care needs may be. Without a Partnership policy, you could only achieve lifetime asset protection by purchasing lifetime insurance coverage – something most people cannot afford.
파트너십 혜택을 받으려면 어떻게 해야 하나요?
Partnership long-term care insurance policies may only be sold by select insurance companies that meet the special standards established by the state. Here is a list of Partnership certified companies.
파트너십 장기 간병 보험은 캘리포니아 주에서 요구하는 특별 교육을 이수한 면허를 소지한 보험 전문가만 판매할 수 있습니다. 고유한 평생 자산 보호 기능을 갖춘 파트너십 보험은 장기 간병으로 인해 일한 모든 것을 소비하지 않도록 보장합니다.
고품질 정책에서 추측을 배제하기
두 가지 유형의 파트너십 정책을 사용할 수 있습니다:
- 시설(요양원 및 거주 요양 시설)에서의 치료를 보장하는 시설 전용 보험 또는
- 가정, 지역사회, 요양원 및 거주형 요양 시설에서의 케어까지 포괄하는 종합 보험입니다.
원하는 보장 범위를 선택하세요. 보험은 1년에서 5년 또는 평생 동안 보장합니다. 모든 파트너십 정책에는 고품질의 보험을 선택할 수 있도록 다음과 같은 사항이 포함되어 있습니다:
- 자동 인플레이션 보호를 통해 의료비 상승에 맞춰 보험 혜택이 유지되도록 보장합니다;
- 평생 단 한 번만 충족해야 하는 공제액입니다;
- 고객이 원하고 필요로 하는 서비스를 계획하고 확보하는 데 도움을 주는 케어 코디네이션;
- 요양원 또는 거주 요양 시설에서 치료를 받는 동안 보험료 면제.
- 교환 가능한 정책 혜택을 통해 개인의 필요에 따라 맞춤화된 치료를 받을 수 있습니다.