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

Long-term care insurance and health insurance are often confused with one another, but they are in fact two different types of insurance policies. Long-term care insurance is a policy that is designed to help pay for long-term care services, such as in-home health care, assisted living, or nursing home care. These services are usually needed as the result of an illness, injury, or disability that is expected to last more than a year. Health insurance, on the other hand, is a policy that helps cover the cost of medical care. This includes doctor visits, hospital stays, prescription drugs, and even preventive services. Health insurance also covers certain medical equipment and services that are not traditionally covered by long-term care insurance, such as physical therapy, hearing aids, and vision care. In Kansas, long-term care insurance is not required by law, but it may be beneficial in covering the cost of long-term care services in the event that a person is unable to afford them out of pocket. Health insurance, however, is required by law for all individuals in the state, regardless of age. In the event that you require long-term care services, having both long-term care insurance and health insurance can help provide adequate coverage.

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