Quick Answer
An alternative care benefit is a Long-Term Care Insurance provision that provides benefits not explicitly outlined within the original policy.
Detailed Answer
An alternate care benefit in Long-Term Care Insurance provides additional benefits. These benefits may have not been specifically outlined within the policy.
Under an alternate care benefit provision, the insurance company may cover treatments, services, and supplies not specifically listed in the policy. They may only add new services as long as they align with and benefit the policyholder's plan of care while remaining cost-effective.
Many policyholders utilize these benefits to cover items or services that may not have been available at the time the policy began.
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