If you ever need long term care, what would you do? Does any of your current insurance policies cover long term care? This article will explore this and make some recommendations.

To the question again: Does any of my current insurance policies cover long term care? The answer is an emphatic NO! That is unless you have a long term care insurance policy. To make this clear I'll explain what qualifies as long term care...

Long term care refers to non-medical care that includes rehabilitative, nursing and social services for very sick or disabled people. Although anyone can have need of long term care due to a variety of reasons, it's usually mostly needed by the elderly. It could also be defined as special care for people who cannot help themselves in daily activities like eating, dressing, bathing and so on.

Now that we understand what we really mean by long term care, check your health insurance policy (I mean the fine print) and see if it covers the issues mentioned in the definition. It doesn't. Medicare and Medigap also don't cover it.

But doesn't Medicaid cover long term care? It does but only if you're poor enough to qualify for it. You'll have to lose a lot of your assets and investments before you can qualify for it. Believe me, unless you are really poor, you don't want to use Medicaid.

Now that you know that none of your current polices cover long term care, take some time out to get the only insurance policy that covers it: A long term care insurance policy.

I know that the extra cost is something you really are not happy about. But, there's a way out: Get and compare quotes on all your existing policies. You can save several hundreds or even a few thousand dollars. You can now plow back what you've saved into long term care insurance. Repeat the process for long term care insurance.

Make out some time to visit at least three insurance quotes sites that return quotes on long term care insurance policies. Using at least three quotes sites increase the chances that you'd obtain more quotes.

This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of better quotes. Requesting for your insurance quotes online will help you save much more if you invest around 15 minutes to obtain quotes from at least three sites.