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  3. [A] Pay for home health care, not nursing home [B] Buy when it’ s inexpensive [C] Go for a simple and souped-up policy

[A] Pay for home health care, not nursing home [B] Buy when it’ s inexpensive [C] Go for a simple and souped-up policy

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问题    [A] Pay for home health care, not nursing home
   [B] Buy when it’ s inexpensive
   [C] Go for a simple and souped-up policy
   [D] Work with an independent agent
   [E] Start with a budget
   [F] Buy sooner, not later
   [G] Plan realistically
   Years from now many Baby Boomers will need help with the daily stuff of life, like dressing, bathing, eating or remembering to take medication. Regular health insurance, including Medicare, doesn’t pay for with these "custodial care" tasks, except in limited circumstances. Long-term care insurance does. Here’ s how to keep price affordable.
   【R1】______
   "The key to long-term care insurance is to apply early while it’s inexpensive," says Kevin Lynch, assistant professor of insurance at the American College of Financial Services in Bryn Mawr, Pa. Among 65-year-old applicants, 28% will be denied because of their health, Lynch says.
   The ideal age to start shopping? "I think 50 is the magic number," says Deb Newman, president of Newman Long Term Care, an independent insurance agency in Richfield, Minnesota.
   【R2】______
   Prices vary by insurer for the same amount of coverage. Work with an agent who can sell—not just quote—policies from different carriers. A good agent will know which companies will likely accept you for coverage based on your health and give you the lowest price.
   Get price comparisons even if you’re offered the opportunity to buy long-term care insurance through a group, such as your employer. If you ’re healthy, you might find a better deal on your own.
   【R3】______
   Decide what you’re comfortable spending for coverage, and ask the insurance agent for quotes that fit your budget, advises Brian Gordon, president of Maga Ltd., an independent long-term care insurance agency. Gordon discourages people from buying a policy if they’ll struggle to pay the premium.
   Work with a financial adviser to review other options if you can’t qualify or pay for long-term care insurance. Medicaid, the federal and state insurance program for people with low incomes, will pay for nursing home care, but to qualify, you have to spend down most of your money first.
   【R4】______
   Newman encourages clients to buy enough coverage to pay for home health care for a few years. The average annual cost of a full-time home health aide is $46,332, compared with $82,125 for a semi-private nursing home room, according to the Genworth 2016 Cost of Care Survey.
   Most long-term care insurance policies reimburse you for care at home or in assisted living or a nursing home. So if you buy enough to pay for home health care but instead go to a nursing home, the policy will pay at least some of the nursing home costs.
   Look at costs of care in your area to estimate how much coverage to buy, Lynch advises.
   【R5】______
   Ask for quotes for good, better and best coverage from each company to see costs at different levels, Slome says.
   Avoid adding features, called riders, that you don’t need. "Keep it a good, simple, long-term care policy without all the bells and whistles," Gordon says.
   An example is a "restoration of benefits" rider: If you need long-term care but then get better, the benefits you used are restored for a later date. But Gordon says once people start to need long-term care, they usually continue to need it.
【R1】
选项
答案F
解析 本部分首句是重点句，即The key to long-term care insurance is to apply early while it’s inexpensive(长期护理保险的关键是在费用便宜的时候尽早购买)，这是作者引用专家的建议，因此答案将是B项和F项两者中的一个。后文提到在65岁以上的人群中，有28％的人因为健康原因被拒绝购买长期护理保险，作者继续引用专家的建议，认为“到了50岁就应购买长期护理保险”。由此可知，作者并不仅仅局限于费用的昂贵与便宜，而是强调了early，因此本题答案选F。
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