Health insurance can help protect you from large out-of-pocket health care expenses that can accumulate during an acute or chronic illness. Health insurance pays for expenses incurred for diagnosis and treatment of covered medical conditions. If you have a job, your employer may provide group comprehensive major medical coverage. You can also purchase individual comprehensive major medical coverage privately or through an insurance agent or broker who is licensed. There are many different types of health insurance plans and coverages available. Similar to Long term care insurance, health insurance premiums vary depending on age, health, length of deductible period, amount paid, duration of benefits and services they cover. It is important if you have a choice of health insurance to choose the plan that best fits your specific needs, budget, and lifestyle. Also, make sure that you are aware of the state or federal agency that regulates the type of health insurance you have in case you experience questions or problems. Health insurance may cover costs for extended care services, however, benefits and coverage can vary tremendously. Please call your insurance company to verify which services and benefits your policy covers and to obtain a list of preferred providers or contact the facility to assist you with this process and determine which insurance policies they accept.

To find information on insurance providers in your area go to our state links or visit the  National Association of Insurance Commissioners and chose your State.