Long Term Care

Protect Your Independence, Savings, and Family

Many people will need some form of long-term care as they age. Long-term care may include assistance with everyday activities such as bathing, dressing, eating, taking medications, or moving safely around the home.

Care may be provided in several settings, including:

  • Your home

  • An adult day care center

  • An assisted living community

  • A memory care facility

  • A skilled nursing facility.

Planning ahead can help you maintain greater control over where and how you receive care while reducing the financial and emotional burden on your family.

Does Medicare Cover Long-Term Care?

Medicare generally does not cover ongoing custodial care when personal assistance is the only type of care needed. Medicare may cover certain medically necessary home health or skilled nursing services when eligibility requirements are met, but it is not designed to pay for extended long-term care.

Because long-term care expenses can be significant, it is important to understand your options before care is needed.

When Should You Begin Planning?

Long-term care coverage is generally easier and more affordable to obtain while you are younger and in relatively good health. Waiting until care is needed may limit your available options.

Planning early may help you:

  • Protect retirement savings and other assets

  • Maintain more control over your care

  • Reduce dependence on family members

  • Prepare for care at home or in a facility

  • Create greater financial confidence for the future

Let’s Review Your Options

Long-term care planning is not one-size-fits-all. We can help you review your concerns, budget, health considerations, and personal preferences to determine which available options may be appropriate for you.

Contact us today to schedule a complimentary, no-obligation consultation.

We do not offer every plan available in your area. Currently we represent 3 organizations which offer 27 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Medicare Insurance Plans 4 You represents Medicare Advantage [HMO, PPO and PFFS] organizations [and stand-alone PDP prescription drug plans] that have a Medicare contract. Enrollment depends on the plan’s contract renewal. A non-government entity powered by Medicare Insurance Plans 4 You, a health insurance agency. PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

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