What is the difference between long-term care insurance and health insurance?

Long-term care insurance and health insurance are two different types of insurance that exist in the state of Delaware. Long-term care insurance covers services for long-term disabilities and illnesses, such as those related to aging. This type of insurance, which is sometimes provided by employers, is designed to cover costs associated with long-term care such as nursing home care, home health care, adult day care, and other assistance with activities of daily living. On the other hand, health insurance is designed to cover medical care and related costs. These costs include hospitalization, doctor visits, prescription medication, medical devices, and preventive care. Health insurance typically does not cover long-term care expenses, as these are generally deemed to be outside of the scope of basic health insurance. In conclusion, long-term care insurance is designed to cover long-term disabilities and illnesses, whereas health insurance covers medical care and related expenses. As such, long-term care insurance and health insurance are two distinct types of insurance in Delaware that serve different purposes.

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