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One of the ways that Arizona residents who qualify can find cheap AZ long term care insurance rates is to take advantage of the Arizona Long Term Care System (ALTCS) for their long term care needs. It was designed to meet the needs of seniors and disabled adults who are being care for in a nursing home or other institution that provides ongoing care.
The Arizona Long Term Care System
If a person meets the requirement as far as age and/or level of disability is concerned, they are not automatically entered into the program. These other criteria must be met before coverage will be extended:
1. An applicant must be a U.S. citizen or a legal resident alien living within the Arizona state borders to qualify.
2. The person’s monthly income must be $1,869 per month or lower. Exceptions may be made for those people who are enrolled in the state’s Medicare program, which is known as the Arizona Health Care Cost Containment System (AHCCCS). In this situation, the individual may be approved even if their monthly income is over the maximum amount set by the state.
3. Financial resources available to the applicant are also taken into consideration. Resources that are considered include moneys held in bank accounts, stocks, bonds, and ready cash. The value of the person’s home and/or car are not used to when calculating his or her available resources.
Before services can be provided under this program, each applicant must undergo a PAS test. The purpose of this test is to confirm that long term care services are needed and that the applicant is unable function without them.
Once approval has been given, ALTCS services can be provided in the person’s home or while in a nursing home or other type of institution that provides assisted living services.
Compare Cheap Arizona Long Term Care Insurance Quotes Online
The ALTCS is just one potential option for finding cheap Arizona long term health care insurance. All Arizona residents will do well to find a knowledgeable AZ long term care insurance agent who will help guide them to the solution that will be best suited for their specific needs.
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Source by James J. Robinson
