合作政策

加州长期护理伙伴关系

如何获得合作伙伴政策？

所有合作伙伴批准的政策都必须具有一定的保护措施，以确保您获得满足您需求的优质政策。这些包括：

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.
资产保护
综合护理管理 – 一种用于评估、规划、协调和监测长期护理需求及服务的流程。护理管理/护理协调会全面评估个人的整体需求和资源，并利用所有可用的资金来源（包括非正式渠道），为其对接全方位的适配服务。
加州长期护理合作组织监管的费率上涨长期护理是指为无法再进行日常生活活动的人提供的护理。

合伙制政策具有两大独特特点，使其格外具有吸引力。

护理管理：该合作计划要求由州卫生保健服务部批准且独立于保险公司的护理管理服务机构，为合作计划的投保人提供护理协调服务。

通过协作流程，护理经理与投保人、其家人和医生合作，完成全面的评估，以确定客户的需求和资源，并制定详细的个性化护理计划来满足这些需求。

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.
护理实施和监控：除了完成全面的评估和护理计划外，如果保单持有人需要，护理协调员还可以联系护理人员并安排他们在需要的时间到家中提供护理、协商支付率并监控所提供服务的质量。

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.

对于大多数人来说，合伙制保险的福利将提供您所需的一切保障。但是，即使保险福利用完，你也不必因此而倾家荡产，尤其当你还需要接受治疗的时候。您可以申请 Medi-Cal 来帮助您支付持续护理的费用，而无需将您的积蓄“花光”到贫困线以下。您的合作保险支付的每一美元医疗福利都受到保护，不受加州医疗补助计划“自付额度”规则的限制。您可能需要将部分收入用于支付护理费用，但您通过购买合伙保险所保护的资产仍然属于您，可供您和您的配偶使用或留给亲人。

合作保险政策费用是多少？

合作保险的费用与其他提供类似保障的保险费用大致相同或略低。每家提供合作保险的保险公司都有自己的保费费率。但是，你购买保险的年龄越小，保费就越低。这是尽早购买的好理由。

与其他保单不同，合作保单包括终身资产保护，并且在您需要时可以获得 Medi-Cal 服务——这是一项宝贵的附加福利，无需额外费用。只有购买合作型保险才能获得这种额外的保障和安心感。

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.

如何获得合作伙伴保障？

合伙制长期护理保险单只能由符合州政府制定的特殊标准的特定保险公司销售。以下是获得合作认证的公司名单。

合作长期护理保险政策仅由完成加利福尼亚州要求的特殊培训的持牌保险专业人员推销。合作保险具有独特的终身资产保护功能，可确保您不会被迫将自己辛苦赚来的所有钱都花在长期护理上。

消除对高质量政策的猜测

有两种类型的合作伙伴政策可供选择：

仅涵盖机构内护理的保险政策（养老院和住宅护理机构）或
这是一项综合政策，涵盖家庭护理、社区护理以及疗养院和住宅护理机构的护理。

您选择所需的覆盖范围。保险政策提供一至五年或终身的保障。为确保您选择高质量的保险，所有合作政策均包括：

自动通货膨胀保护，确保您的福利与不断上涨的护理费用保持同步；
您一生中只需满足一次的免赔额；
护理协调，协助您规划和确保您想要和需要的服务；
在疗养院或住宅护理机构接受护理期间免除保费；以及
可互换的保单福利，以便定制护理以满足您的个人需求。