Health Insurance Including Maternity
For some people, the need for long-term care comes suddenly. Randy Klein was in his 40s and healthy when he and his wife, Carol, went boogie boarding on Maui. It only took one wave, driving his head into one sandbar, to change his life. He was paralyzed from the neck down, and he needs care 24 hours a day. That's more than Carol can provide while she raises their four children and runs their business.
Randy's in-home care costs up to $75,000 per year. Fortunately, the Kleins had purchased long-term-care insurance six months before the accident. "Having long-term-care health insurance including maternity has given me choices," Carol says. "Because of this protection, I am able to have someone assist me with his care. I am able to be a mother to my children. I am able to continue to live a small piece of my own life."
How to get insurance
You can generally buy health insurance including maternity from an
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