FOR IMMEDIATE RELEASE
Contact:
Bradley Boswell
xACSIA Partners Insurance Agency
bradley.boswell@acsiapartners.com
619-337-0360
La Mesa, CA April 16, 2020 -- Like many people, you may envision long-term care insurance paying for care in a nursing home or other care facility. However, “there are plans that may also cover care in your own home,” says Bradley Boswell, CA-based agent with xACSIA Partners Insurance Agency.
That may give you greater control over with whom you come in contact, “but you need to choose your policy with care,” Boswell adds.
Boswell points out that long-term care insurance comes in many forms, and not all of them are ideal for home care. “There are two broad categories of policies,” Boswell says, “reimbursement policies and cash policies. With a reimbursement policy you submit bills for approval and subsequent payment, which is usually made to a facility. With a cash policy, you get monthly benefit checks that you can use however you wish. This gives you greater freedom in hiring services and controlling your daily interactions.”
“People who prefer to 'age in place' (at home) may be better off with a cash policy,” according to Boswell. “However, reimbursement policies have their advantages, and some are more amenable to home care than others. We guide our clients to the plans most suitable to their particular needs, helping them choose from multiple leading carriers.”
As a certified long-term care insurance agent, Boswell also advises on other planning options, which include:
Boswell may be reached at http://boswellltc.com or 619-337-0360.
Boswell is a licensed long-term care insurance agent who represents the company in CA, MN, MT, NY, PA, TN, TX, WA, WI.
In California the company is known as xACSIA Partners Insurance Agency; in other states, as ACSIA Partners.
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