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What Types of Care are Covered? |
 Long-term care insurance pays for a wide range of services and procedures that typically aren't covered by a person's medical insurance. The types of care fall into three categories: skilled, intermediate and custodial. Read on to understand the differences between the various types of care.
SkilledIf you have a serious illness or injury that you can recover from, you will probably receive skilled care from nurses or professional therapists. Skilled care is provided daily, usually ordered by a physician, and involves a treatment plan. In short, skilled care helps get you better.
Intermediate CareThis type of care is the same as skilled care, but not provided on a daily basis. For instance, if you injured your leg and need to visit a physical therapist five times a week to help you heal, that would be considered intermediate care.
Custodial CareUnlike skilled and intermediate care, which is used to improve your health, custodial care isn't intended to get you better. Instead, custodial care includes assistance with daily activities like bathing, eating, dressing, toileting (getting on and off the toilet and other tasks associated with personal hygiene), continence and transferring (getting in and out of bed and chairs). Catheter or colostomy drain are other examples of custodial care. Custodial care can range from in-home care provided two or three days a week, to 24-hour nursing home care.
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