LONG-TERM CARE INSURANCE
70% OF PEOPLE AGE 65+ WILL NEED LONG-TERM CARE IN THEIR LIFETIME
Prepare for the Expected:
As we age, the likelihood of needing long-term medical or personal care increases. It is estimated that 70% of those over age 65 will need long-term care in their lifetime. We help you weigh the options and select the plan that fits your needs best.
Protect your assets and the standard of care you receive should you or your loved one fall ill or become disabled. An initial consultation takes only 15 minutes by phone and provides us enough information to follow up with more a quote and discuss your options.
Questions about Long-Term Care Insurance? We have answers.
Protect your assets and standard of care.
Long-term care costs an average of $50,000 per year and generally speaking, Medicare and Medicare Supplemental insurance and basic medical insurance plans do not cover the cost. Long-Term Care insurance was developed for precisely that reason — to provide financial protection against the cost of care that other plans simply don’t cover.
If you don’t have the savings necessary to pay for personal or medical long-term care, then long-term care insurance may be a good option for you to explore. We are experts in helping you weigh the benefits of the various policies available and help you select a plan that helps you prepare for the expected.
Long-Term Care insurance covers expenses incurred for personal or medical long-term care that are not covered by basic health insurance, Medicare, or Medicare Supplemental insurance.
Long-term care covers a broad range of services for medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time. Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living facilities or in nursing homes.
On average, long-term care services can be expensive, and often last for months or years. Long-Term Care insurance helps cover these expenses, which protects your assets and helps you maintain the quality of care you may need.
Once you have coverage for long-term care, the policies we recommend are guaranteed renewable for life. The policies cannot be cancelled.
However, if you wait too long to take out a policy and gain coverage, once you become too unhealthy to qualify, you are unlikely to ever be healthy enough to qualify again.
If you are age 45 or older and do not have Long-Term Care insurance coverage in place, we encourage you to learn more about your options now. In general, the younger you are when you buy long-term care insurance, the less it will cost.
We would be happy to provide more details and help you understand the benefits. Just give us a call or schedule an appointment online.
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Long-Term Care: Odds Are You Will Need It
Why You Need Long-Term Care Insurance
Long term care insurance was developed for precisely this reason – to provide the needed financial protection against the cost of long term care that other plans simply don’t cover. If you need long-term care services, what financial resources could you call on? Do you have the necessary savings to pay for home health care for six months, a year or longer without the expense being a burden on your lifestyle?
If not, a long-term care insurance policy may be a good option for you to explore.
How Does Long-Term Care Insurance Help?
An insurance policy, based on your need for care, will pay a daily or monthly benefit amount to cover some or all of your long term care costs. Some policies will pay benefits for up to a stated period of time such as three or four years while others pay until a maximum dollar amount has been paid, such as $150,000. Most policies have options for your daily or monthly and policy maximum benefits to automatically increase every year so that your coverage keeps pace with rising health care costs
We can help you select the plan that is right for you.
Option 2: Medicare Advantage
Medicare Advantage plans are an all-in-one type of Medicare Supplemental plan that includes both Medicare Part A and Part B coverage, combined with Part D prescription coverage and often include additional benefits not covered by Medicare, like vision, hearing aids, and more. In order to gain the Medicare Part D prescription coverage, you need to enroll for that coverage at the same time as you enroll for Medicare Advantage.
If you are eligible for Medicare, you cannot be denied coverage under Medicare Advantage.
There are many plans from which you may choose for Medicare Advantage and the options can be confusing, especially with the additional benefits afforded for such things as vision, hearing, and more.
We can help you select the plan that is right for you.
“What a joy to work with Tina. She volunteers to help people sign up for Oregon’s Health Plan. She was so gracious and helpful, and made what could have been a stressful process so easy. We are so grateful for her support and would highly recommend her to others.”
“Ms. VanPhung is very welcoming, knowledgeable, and supportive in finding the best-suited insurance coverage for your needs! She takes the time to answer all of your questions and address any concerns you may have. Highly recommended!”
“We wouldn’t have health insurance right now if it wasn’t for Tina’s help. She was prompt, professional, knowledgeable and helped us stay coordinated with our needed activities. Thanks so much Tina!”
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