Sun Health at Home versus Long-Term Care Insurance

Sun Health at Home versus Long-Term Care Insurance

Understanding the Difference

Both Sun Health at Home and long-term care insurance allow you to prepay for long-term care costs. However, Sun Health at Home can provide more comprehensive benefits than most long-term care insurance policies at a lower overall cost and does not require stringent criteria to receive care.

The comparison below will help you to understand some of the differences between Sun Health at Home and long-term care insurance policies. Our Membership Coordinator can help you to compare these alternatives.


Long-Term Care Insurance

Sun Health at Home

Care Coordination

  • You handle the phone calls, paperwork and coordinate your own care services
  • You have a Personal Wellness Coordinator who is available 24/7. He or she develops a strong relationship with you and your family, and works with you to develop a personal care plan. As you need services, your Wellness Coordinator will coordinate and support you.

Waiting Period

  • There is an elimination period before benefits begin (on average 100 days)
  • There is no elimination period nor any waiting periods to satisfy. The day you need help is the day you get help.

Activities of Daily Living (ADL)

  • You must need help with at least two (2) activities of daily living, documented by a physician, and be receiving care services for the duration of the elimination period before you can file a claim
  • A physician order is not required before receiving care. A member can start receiving care with just one (1) deficiency in activities of daily living.

Asset Preservation

  • Does not protect assets from rising care costs
  • Preserves your assets as the cost of care rises in the future

Length of Benefits

  • Most policies will have a time limit or monetary limit on the amount of care you can receive
  • You are guaranteed care for life

Continuing Care Choices

  • You are not guaranteed care at the community of your choice
  • You will receive care at a Sun Health assisted living, memory support or skilled nursing facility if and when needed

Services Covered

  • Long-term care insurance policies generally limit services to health care services only
  • In addition to being an advocate for your health care, the program provides wellness services, coordinates transportation needs, homemaker/companion services, referrals to vetted home maintenance providers

Care Coordination Provided Locally

  • Care coordinators can be located anywhere in the country and may not have knowledge of local resources
  • Locally-owned and operated which gives us first-hand knowledge of community resources