How To Find Affordable Long Term Care Insurance In Arizona
The state of Arizona provides long term care through a program called Arizona Long Term Care System (ALTCS). This program provides coverage for senior citizens aged 65 and over and/or individuals who are disabled and require ongoing care in facilities like nursing home or other long term care institutions. In addition to meeting the age and disability requirement, there are other factors to determine whether or not a person is eligible for this program. Some of the additional requirements are as follows:
1.Monthly Income: The monthly income may not exceed $1,869 per month. There are acceptations however for those who have been approved by AHCCCS (Arizona Health Care Cost Containment System – Arizona’s Medicare program) AHCCS applicants may have an income exceeding the monthly income amount.
2.Financial Resources: Available resources valuing less than $2,000 for an individual. Available assets may be bank accounts, cash, stocks, bonds etc. If the applicant is married, the applicant’s spouse is able to keep one half of the available assets up to a maximum of $101,640. Tangible assets such as a home and/or vehicle are not included and will not be considered as part of the resource limit.
3.Citizenship Status: Applicants must be a citizen of the United states and reside in the state of Arizona. Lawful resident aliens may also qualify.
4.Testing: Each applicant must undergo a PAS test. A PAS test is a screening test for pre-admission. Every potential candidate must undergo this screening before being accepted into the program. In essence, the test will indicate whether or not a person can function in the community without custodial or nursing care. It is not a requirement to be in a nursing home to receive care from ALTCS. ALTCS services can be provided on an in-home basis or provided while living in an assisted living facility.
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