Houston, TX (PRWEB) August 03, 2012
Nursing home, in-home, and assisted-living care are just some of the costs that are scarcely addressed by regular insurance or Medicare. Long-term care insurance addresses those potentially devastating expenses, but how does the recent Supreme Court ruling affect this area of care and insurance for Texans? Today five members of the Personal PR Forum (http://pprforum.ning.com/) offer answers by phone to any individuals or employers who wish to call.
The need for information is critical, they say. When the Supreme Court upheld The Patient Protection and Affordable Care Act (Obamacare), uncertainty about health insurance abated. However, the issue of how the federal regulations impact long-term care remains as head-scratching as ever, according to these experts, all state-certified long-term care insurance agents.
“The best bet -- for any individual, family, company, or group -- is to talk with an LTCI specialist about their particular situation,” says Kay Nettles, a specialist with offices in Houston. Nettles recommends asking five key questions:
1. “Based on our health history, what are the chances any of us will ever need long-term care?”
2. “In our financial situation, is Medicaid a viable care option?”
3. “What are the pros and cons of relying on savings, life insurance, or reverse mortgages to pay for care?”
4. “In our case, following the court’s decision, how do federal and state laws affect tax breaks or other LTC-related benefits?”
5. “Given all the facts about us, is LTC insurance the best bet, and what does it cost?”
Bill Holland, a leading long-term care insurance agent in Texas, with offices in Katy, points out that not only families can benefit from a greater understanding of the issues surrounding possible long-term care needs, but individuals, organizations and employers should educate themselves as well.
Holland regularly works with individuals and groups and is always happy to share information on this far-reaching topic with anyone who calls for information. “We’re glad to help them learn if this type of protection is right for them, and if it is, to find the best, most affordable policy for their situation,” Holland says.
Joining Holland and Nettles in the PPR Forum are long-term care insurance specialists across the state of Texas. Kat Roebuck has offices in Missouri City, Madeline Wade in Plano, and Kim Beckham in Victoria. They all work to educate the public on the intricacies of planning for the possibility of long-term care needs, and are happy to help anyone in Texas and many other states.
Kay Nettles: (Houston, TX) 713-466-4614, KayNettles.ltcfp.com
Kat Roebuck: (Missouri City, TX) 281-431-4033, KatRoebuck.ltcfp.com
Bill Holland: (Bedford, TX) 817-283-7221, BillHolland.ltcfp.com
Madeline Wade: (Plano, TX) 214-295-8926, MadelineWade.ltcfp.com
Kim Beckham: (Victoria, TX) 361-579-9663, KimLTC.com
The Personal PR Forum (PPR Forum), a service of EraNova Institute, provides do-it-yourself public relations tools and resources for professional people, companies, and other organizations. PPR Forum specializes in supporting those focused on helping people and creating a better world. For information on membership, visit http://pprforum.ning.com.