Is your Hot Springs independent living community covered by insurance?
Long-term care insurance usually does not cover independent living. There are two primary reasons that independent living isn’t usually covered:
1. Independent living residents do not receive medical or personal care from licensed or certified staff.
2. Independent living residents do not need to live in independent living facilities; they choose to do so in order to experience resort-style retirement with easy access to amenities and services that allow them to rest, relax, and enjoy themselves.
Although independent living isn’t covered by long-term care insurance, many residents find that they save money when they move from their home to an independent living facility because of the fixed, predictable expenses and all of the services and amenities included in that price.