夥伴關係政策
加州長期照護夥伴關係
如何取得合作夥伴政策？
所有合作夥伴核准的政策都必須具有某些保護，以確保您擁有符合您需求的質量政策。 這些包括：
- 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.
- 資產保護
- 全面照護管理 – 一項用於評估、規劃、協調及監測長期照護需求與服務的流程。照護管理／照護協調會全面評估個人的整體需求與資源，並運用所有可用的資金來源（包括非正式來源），將該人與各類適當的服務連結起來。
- 加州長期照護合作組織監管的費率上漲 長期照護是指為無法再進行日常生活活動的人提供的照護。
合夥政策有兩項獨特之處，使其格外具吸引力。
照護管理：根據「合作計畫」規定，須由經州衛生保健服務部核准且獨立於保險公司之外的照護管理服務機構，為「合作計畫」保戶提供照護協調服務。
透過協作流程，護理經理與投保人、其家人和醫生合作，完成全面的評估，以確定客戶的需求和資源，並制定詳細的個人化護理計劃來滿足這些需求。
- 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.
- 照護實施和監察：除了完成全面評估和護理計劃外，護理協調員還可以聯繫照護人，安排他們在所需時間提供護理服務，協商付款費率並監察所提供的服務質量，如果保單持有人願意。
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.
對大多數人來說，合夥制保險的福利將提供您所需的一切保障。但是，即使保險福利用完，你也不必讓自己陷入貧困，尤其當你仍然需要治療的時候。您可以申請 Medi-Cal 來幫助您支付持續照護的費用，而無需將您的積蓄「花光」到貧窮線以下。您的合作保險支付的每一美元醫療福利都受到保護，不受加州醫療補助計劃「支出限制」規則的影響。您可能需要將部分收入用於支付照護費用，但您透過購買合夥保險所保護的資產仍屬於您，可供您和您的配偶使用或留給親人。
合作夥伴政策的費用是多少？
合作保險的費用與其他提供類似保障的保險費用大致相同或略低。每家提供合作保險的保險公司都有自己的保費費率。但是，你購買保險的年齡越小，保費就越低。這是儘早購買的好理由。
與其他保單不同，合作保單包括終身資產保護，並且在您需要時可以獲得 Medi-Cal 服務——這是一項寶貴的附加福利，無需額外費用。只有購買合作保險才能獲得這種額外的保障和安心感。
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.
如何獲得合作夥伴保障？
合夥制長期照護保單只能由符合州政府制定的特殊標準的特定保險公司銷售。以下是獲得合作認證的公司名單。
合作夥伴長期護理保險保單僅由已完成加利福尼亞州要求的特殊培訓的持牌保險專業人員進行銷售。 合作夥伴政策具有獨特的終身資產保護功能，確保您不會被迫將您所努力的一切花在長期護理上。
消除高質量政策的猜測
有兩種類型的合作夥伴政策可用：
- 只適用於設施的保單，涵蓋設施（護老院和住宿照護設施）的護理，或
- 一項全面的政策，涵蓋在家中、社區以及療養院和住宿照顧設施的護理。
您可以選擇所需的保障範圍。 保單提供一年至五年或終身保障。 為了確保您選擇高品質的保障，所有合作夥伴政策包括：
- 自動通貨膨脹保護，確保您的福利與護理成本上升的一步一致；
- 一生中只能滿足一次的免稅金；
- 照顧協調，協助您規劃和確保您想要和需要的服務；
- 在護老院或住宿照顧機構接受護理時，豁免保費；以及
- 可互換的保單福利，以便客製化護理以滿足您的個人需求。