What kind of services are typically not covered by regular health insurance that long-term care insurance addresses?

Long-term care insurance is specifically designed to cover services that assist individuals with activities of daily living (ADLs), which regular health insurance typically does not cover. This includes personal and custodial care expenses like help with bathing, dressing, eating, and using the restroom, as well as supervision for individuals with cognitive impairments. Regular health insurance is primarily focused on acute care and medical treatments, which does not include the ongoing support and personal assistance often provided in long-term care settings.

Emergency medical treatment, prescriptions, and routine physical exams are generally included under standard health insurance plans. These cover the cost of immediate medical interventions, prescribed medications, and preventive screenings, all critical components of health care. However, when it comes to long-term care needs, such as those faced by individuals with chronic illnesses or disabilities that require ongoing help with daily living activities, standard health insurance falls short. Long-term care insurance fills this gap, addressing the need for consistent and comprehensive personal and custodial care.