Who will take care of you if you are unable to care for yourself? As the oldest baby boomers begin to wind through their 70's, one of the biggest concerns may not be outliving income but outliving good health.
You never know what’s around the corner. We can help prepare you financially for long-term care services you may need so that a health crisis doesn’t derail your retirement savings. Considering that you could have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.
We can help evaluate your situation and determine if purchasing a long-term care insurance policy may be the right move to help you feel confident in your financial future
Affordable Alternative
Short-term care insurance may be a good alternative to long-term care insurance — especially if you no longer qualify for long-term care due to pre-existing conditions. Short-term care can provide coverage for any of the following:
Some plans will pay for home health care aides, general and skilled nursing care and may even offer prescription drug benefits and other options.
To learn more about the costs and benefits of short-term care insurance, call us today or schedule an appointment online.
Short-Term Care Insurance
Short-term care insurance policies offer benefits for many different types of healthcare and aging needs. They generally are purchased by older individuals (ages 50 to 89) to cover gaps in Medicare coverage or as an alternative to traditional long-term care insurance protection.
Questions about Short-Term Care Insurance? We have answers.
Is Short-Term Care Insurance Right For Me?
We can help you weigh the benefits and costs of short-term care insurance and find the right plan with the right benefits for you.
Some factors to consider are:
We help individuals and families find the best combination of benefits and coverage for the premiums you can afford. Give us a call for a free consultation today.
When Does Short-Term Care Insurance Help?
Short-term care insurance may be an option even if you have been declined for long-term care insurance. If you are 69 years old, you can pay as little as $170 per year for a short-term care policy that provides some home health care benefits. Other policies can be as much as $3,000 per year — depending on benefits.
Benefits for short-term care last less than a year and vary by the price of the policy. Some companies that offer short-term care insurance offer discounts when two or more people living in the same household apply for coverage.
We can help you evaluate if short-term care insurance is right for you. Call us or schedule an appointment online to discuss your situation.
What fees do you charge?
None! Since insurance prices are regulated, there is no difference between buying your policy online or direct or going through us. You pay the same rate per month. The only difference is that our years of experience help you obtain the best coverage for your individual or family needs — and our advice and counsel is free.
Call us or book an appointment online and see for yourself.
We believe in educating our clients, Hence, we will educate and guide you, all the way.
Short-term care insurance may indeed be right for you, but a great way to find out is to simply meet with us to review your situation. We’re experts at evaluating your risk, balancing savings you may already have, with affordable coverage that protects your income, assets, and lifestyle in a way that is right for you.
Because insurance rates are regulated, our advice is free. There is no difference in your premium between going directly to an insurer online or meeting with us. The only difference is that by meeting with us, you gain the benefit of our experience and knowledge as you weigh the choices.
We can help you select the plan that is right for you.
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