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I am a person who needs long term care . How can I use this site?
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I need help in my own language.
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Can I sign up for health insurance using this site?
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What time are the helpline and LiveChat open?
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Do I need to set up an account or log in to use this site?
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Why did you: cut off my benefits? / send my mother that upsetting letter?
LTC
Long term care means services that help you with your activities of daily living. For example, if you need help from another person to bathe and get dressed, you could get a home attendant to come to your home to help you. Home care is a type of long term care. If you go to an adult day care center for activities and meals, that is also a type of long term care. Most people in New York who need this kind of help can get it in their own homes. If you can’t live safely in your own home, you can also receive long term care in a skilled nursing facility (also called a nursing home). Medicare doesn’t pay for long term care; only for short stays in skilled nursing facilities or a few weeks of home health aide services. Medicaid does pay for long term care.
health insurance
Health insurance is a system that helps you pay for medical care. It is very expensive to pay for doctors, hospitals, and medications. If you get sick or injured, your medical costs could be huge. Health insurance is a way to protect yourself from large medical expenses. Most health insurance is provided through private insurance companies. You pay a monthly premium to the company, and in return they are responsible for paying for any medical care you need. Each health insurance company has a document that explains which types of medical care they will pay for. Usually, you need to go to doctors, hospitals, and other providers who accept your insurance. Most people get health insurance through their employers. Usually the employer pays part of the premium, and the employee pays the rest. Many people get health insurance through government programs like Medicare or Medicaid. And still others buy individual policies, such as those available through the Marketplace.
Medicaid
The New York state public health insurance program for people with limited income. Medicaid provides free, comprehensive health insurance for over 5 million New Yorkers. Medicaid is also the primary source of coverage for long term care services, such as home care and nursing home care.
