Humana Medicare in Coeur D Alene, ID with Reviews -
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Long-term care insurance premiums are typically tax deductible if they exceed 10 percent of your adjusted gross income. The amount that you can deduct increases with your age. For those under 40, the maximum deduction is around $410. For those who are older than 70, the maximum deduction comes in at roughly $5,100.
Long-term insurance premiums may go up over time. Prices are based on the insurance company's projections regarding future expenses. If insurance companies find themselves facing more claims from their policyholders than they had forecast, they may seek to handle these expenses by raising rates. Before rates can be increased, insurance companies must get approval from your state's insurance regulators.
If you become disabled, long-term care insurance will cover some or all expenses associated with hiring a nursing professional to provide skilled and qualified home care. Long-term care insurance will also cover expenses associated with assisted living, adult daycare, hospice care, respite care, and nursing home facilities.
Long-term care insurance is necessary because the costs associated with long-term care can be burdensome and overwhelming. If you need this type of care and are without insurance, you run the risk of having these expenses drain your savings or retirement funds, and this could put you on the road to bankruptcy.
Long-term care insurance is not the same as disability insurance. Disability insurance replaces part of your income if illness prevents you from working. Long-term care insurance pays some or all of the expenses associated with care received at home or at a nursing facility if disability requires you to seek the assistance of a caregiver.

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