Carefully Reading the Policy of Your Long-term-care Insurance is Important

Long-term-care insurance is a type of protection which provides payment for the covered injury or sickness. Long-term-care insurance includes many kinds of insurances like medical expense insurance, disability income insurance, accident insurance and death insurance, etc.

Before you sign up with any  insurance plan, you should make certain that you have thoroughly read the section of the Long-term-care insurance benefit. Pay attention to all the health care services that are not covered by the Long-term-care insurance plan. Also, pay particular attention to the words that insurance policy use. Long-term-care insurance providers sometimes hide the coverage exclusions within the words' definition.

For example, an insurance provider may define the word 'emergency' as anything which is the life threatening condition which can not be reasonably treated by your primary care doctor. But, your definition of 'emergency' could be anything which requires immediate medical attention.

Obviously, there exists conflict for these two definitions. For example, if you find yourself under the emergency condition where you may incur a broker arm, your insurance provider may deny the coverage for the emergency treatment for your broken arm because the broken arm of yours does not belong to the life threatening situation.

So, you should carefully read over the definitions of your insurance policy, paying close attention to these words:

medical emergency, pre-certification, medically necessary, pre-existing condition, customary and reasonable.

These words need to be studied with attention. Find out how the insurance provider of yours defines them.

Finally, find the section that describes the procedures which you must follow to get your insurance provider to reimburse you. Generally, these policy prerequisites or conditions are written in a positive tone. Carefully read through every condition, take notes and call your insurance provider if have any question.