Need for long-term care and custody

Health insurance policies will typically exclude coverage for costs associated with long-term care and custodial care, such as the cost of a nursing home or assisted living facility. These types of care are often considered non-medical in nature and may not be covered under a traditional health insurance policy. However, some policies may offer limited coverage for long-term care or custodial care, or may offer add-on coverage options for these services.

Long-term care is a broad term that encompasses a variety of services and support for individuals who are unable to perform basic activities of daily living, such as bathing, dressing, and eating. It can include in-home care, adult day care, and care provided in a nursing home or assisted living facility. The goal of long-term care is to allow individuals to live as independently and safely as possible, while receiving the care they need to manage chronic conditions or other health issues. Long-term care can be provided by family members, friends, or professional caregivers, and the type of care and level of support required will vary depending on the individual’s specific needs.