How Does A Comprehensive Policy Differ From A Non-Comprehensive One?

UPDATED: Jul 13, 2023Fact Checked

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Jeffrey Johnson

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 13, 2023

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UPDATED: Jul 13, 2023Fact Checked

In a comprehensive policy, benefits are paid for service delivered in nursing facilities, assisted living facilities, adult day care centers, or at home. However, you may elect a reduced level of benefits for care received outside of a nursing home. A non-comprehensive policy restricts the benefits to services that are provided in nursing facilities.

Case Studies: Comprehensive Policy vs. Non-Comprehensive Policy

Case Study 1: Comprehensive Policy

Sarah purchases a comprehensive policy that provides benefits for care delivered in various settings, including nursing facilities, assisted living facilities, adult day care centers, and at home. This comprehensive coverage gives her the flexibility to receive care in the most suitable environment based on her needs. Sarah appreciates the comprehensive policy’s flexibility, allowing her to access care beyond nursing facilities if necessary.

Case Study 2: Non-Comprehensive Policy 

Mark opts for a non-comprehensive policy that restricts the benefits to services provided exclusively in nursing facilities. This policy is more limited in scope and only covers care received in a nursing home setting. While it offers a narrower range of benefits, Mark decides it meets his specific needs and budget.

Case Study 3: Comparing Options 

Lisa is evaluating different long-term care insurance policies and weighing the benefits of comprehensive and non-comprehensive options. She consults with an insurance agent who explains the features and limitations of each type. After assessing her needs and preferences, Lisa determines that a comprehensive policy aligns better with her lifestyle and future care expectations. She values the flexibility and broader coverage provided by a comprehensive policy.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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