{"id":2768,"date":"2020-12-01T15:34:59","date_gmt":"2020-12-01T22:34:59","guid":{"rendered":"https:\/\/www.jacksonwhitelaw.com\/altcs\/?p=2768"},"modified":"2024-01-08T15:05:33","modified_gmt":"2024-01-08T22:05:33","slug":"ways-pay-long-term-care-arizona","status":"publish","type":"post","link":"https:\/\/www.jacksonwhitelaw.com\/altcs\/blog\/ways-pay-long-term-care-arizona\/","title":{"rendered":"Ways to Pay for Long-Term Care in Arizona"},"content":{"rendered":"

Introduction<\/h2>\n

As the adult child of aging parents, there are few things more devastating than realizing your loved ones can no longer live on their own safely. The situation is especially stressful if you feel like you can\u2019t afford a nursing home for your parent or grandparent. Fortunately, you can secure reliable, compassionate long-term care for relatives even if you have no money. Keep reading to learn about the various options available if you have to pay for long-term care in Arizona.<\/p>\n

Long-Term Care Insurance<\/h2>\n

Long-term care insurance is one of the many ways by which Arizona residents pay for assisted living or nursing home care. The odds are that your loved one\u2019s basic medical insurance doesn\u2019t cover long-term care. Similar to life insurance, long-term care insurance protects people who develop illnesses or injuries that necessitate prolonged help. Additionally, these benefits pay for medical testing and procedures, prescription drugs, and physical therapy. Purchasing long-term care insurance now is a great way to protect your health and finances as you age.<\/p>\n

Affording Long-Term Care Without Insurance<\/h2>\n

Families often make the mistake of assuming that they need to be wealthy to afford long-term care. While paying for care is certainly easier if you have insurance or private wealth, the truth is that you have options when it comes to supporting your loved ones. Depending on your family member\u2019s financial situation, they may qualify for aid through Arizona\u2019s Medicaid agency, also known as the Arizona Health Care Cost Containment System (AHCCCS).<\/p>\n

Understanding the AHCCCS and the ALTCS<\/h2>\n

The AHCCCS supports residents in need of long-term care through the ALTCS, or Arizona Long Term Care System. Available services include acute medical care, skilled nursing, behavioral health, and assisted living, among others. The program was designed to aid Arizona residents who are medically and financially eligible for care. Along with supporting the state\u2019s elderly population, the ALTCS helps those who are blind or developmentally disabled. Individuals in need of long-term care for themselves or a loved one can apply by contacting their local ALTCS office.<\/p>\n

What Are the ALTCS Eligibility Requirements?<\/h2>\n

Not everyone qualifies for long-term care through the ALTCS. To receive aid, you must meet the following eligibility requirements:<\/p>\n