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Is being disease-free the same as being truly healthy? Some people seem to think so but let’s take a closer look.

A person can suffer from symptoms like migraine headaches, chronic constipation, one cold after another, digestive problems and feel tired most of the time and still get a clean bill of health from the doctor.

How is that possible? Within the accepted parameters of his profession and according to his training no disease or chronic problem is discernable.

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Choosing the right insurance company for your LTCi policy is a very important step, and there are several top quality companies that have proven track records in the field of long term care.

The truth is that every company has their own proprietary method of determining policy features, premiums, and health issue qualifications.

Some policies cost 10% - 50% more if you are taking blood pressure medications. Others don’t.

Some policies are very strict about rating overweight folks. Others aren’t so strict.

Some companies charge up to 35% more for someone who has used tobacco. Others are much more lenient in this area.

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