Alternative Coverage, ‘Service Package’ Differ

The FLTCIP alternative coverage package is one of two specialty features of the program, along with a “service package,” available to those who do not qualify for standard coverage. The alternative insurance plan offers nursing home-only coverage with a 180-day waiting period and two-year benefit period, with higher premiums than those applying in standard coverage. The service package provides access to certain services, including a care coordinator, general information and referral services, and access to a discounted network of long term care providers and services. It costs $59 per year, for an individual or a couple. Everyone who is denied standard coverage will receive information from the carrier describing what is available in lieu of standard insurance. Individuals who are offered both can decide which, if any, they wish to purchase.