Click below for a list of commonly asked questions and answers.
Both Givens Choice and long-term care insurance can help manage future long-term care expenses, but they work differently. Long-term care insurance is primarily a financial product that reimburses eligible costs according to the terms of the policy.
Givens Choice is a membership program that combines a financial benefit with personal guidance and coordinated care. Members have an established relationship with a certified geriatric care manager who helps them understand their options, arrange appropriate services and navigate changes over time. Depending on the plan selected, Givens Choice contributes toward eligible long-term care services up to a daily benefit limit.
Givens Choice benefits may also become available when a member needs assistance with one activity of daily living, without the elimination period commonly required by long-term care insurance policies.
Givens Choice is designed for planning ahead. Joining while you are healthy allows you to establish a relationship with your Care Manager, explore your options, and put a thoughtful plan in place before your needs change. Because membership includes a health and financial review, applying earlier may also give you more plan options.
Yes. You may terminate your membership at any time.
Any refund of the membership fee will depend on the plan you selected, how long you have been a member, and whether you have received covered services. Your Membership Service Agreement provides the complete terms.
Monthly fees may be adjusted periodically to reflect the cost of operating the program. Givens Choice generally expects to make any adjustments annually and will provide at least 30 days’ written notice. Your monthly fee does not automatically increase simply because your care needs change.
Pricing is per person because each individual has their own membership and plan. Reduced membership and monthly fees are available when two members of the same household join the program together.
Yes. Monthly fees begin when your membership begins and continue for as long as you remain a member. These fees support your ongoing access to care coordination, member benefits and the future services included in your selected plan.
Your Givens Choice membership is portable, giving you the flexibility to move closer to family or make a new community your home while taking the support of Givens Choice with you. Your Care Manager can continue to coordinate services on your behalf, although coordinating from a distance may mean fewer in-person visits and less familiarity with local providers and care settings.
The daily benefit limit associated with your membership plan remains the same regardless of local care costs. If you are considering a move, your Care Manager will help you explore resources in the new area and understand how your membership will work there.
No. Your Givens Choice Care Manager cannot serve as your primary or successor health care agent or assume legal decision-making authority on your behalf. They can, however, provide professional guidance to you and your designated health care agent, help you understand available options and coordinate services when needed.
We understand that planning for your future healthcare needs in a way that protects your finances is an important decision. That’s why we invite you to contact us to learn more about taking the next step. Our representatives will explain the process to you and help you get started right away.
Call (828) 575-1400 or use the Contact Button below.