Long Term Care Insurance Rates & Quotes

Long term care insurance policies are designed to help provide for the costs of long term care for patients. These policies are typically intended to cover the costs of caring for seniors and the elderly as they age. Long term care insurance policies are designed to cover situations that are not covered by regular health insurance policies, Medicaid or Medicare.

Long Term Healthcare Insurance Quote

Long term care insurance policies differ from traditional health insurance policies as they are not intended to cover one time medical costs for those who are sick. Instead, these policies provide coverage for individuals who have ongoing expenses for medical and other necessary care they require on a daily basis. Long term care insurance can provide coverage for daily expenses at nursing homes or home health care services such as basic day to day activities like bathing, going to the bathroom, getting dressed, eating, walking, or other normal physical activities.

To learn more about our long term care insurance options or to request long term care insurance quotes from our insurance agency, call us.

Benefits of Long Term Healthcare Insurance

Most of the people who buy long term care insurance plans are those who worry about needing assistance as they approach their senior years. Extended or long term care can be very expensive, especially for those who need high levels of skilled medical care and assistance. Long term care insurance can help protect your finances, while allowing you to afford the care you need.

Long Term Healthcare Insurance in St. Louis

Here are some of the benefits of investing in long term care insurance.

  • Long term care insurance covers extended medical care and treatment that is not covered with Medicare or typical health insurance policies.
  • It helps protect your savings and helps you cover the costs if you should ever need to move into a nursing home or if you require full-time care at home.
  • Some long term care insurance policies are also tax deductible. Plans that are tax qualified can be deducted at the time of filing taxes. With this, the cost of premiums can be reduced.
  • Instead of wearing down your savings before finally qualifying for Medicaid, with long term care insurance, you can ensure that your medical expenses and needs are met. Therefore, all of your assets and personal belongings will be preserved, and you can protect your life’s savings for yourself, spouse, children, or other loved ones.
  • With long term care insurance, you will have more choices of nursing homes to choose from as you will be able to afford higher costs. Therefore, you will be free to select the nursing home or home healthcare provider you prefer after looking at your options and discussing it with your family.

Pitfalls to Avoid When Buying Long Term Care Insurance

When investing in a long term care insurance plan, there are a few mistakes you should avoid. Purchasing a policy may seem confusing but if you avoid these pitfalls and work with experienced professionals to evaluate your needs, you can find a plan that fits your needs and budget:

  • Not Comparing Policies: It is important when buying any insurance policy to look around and compare the offers available from different companies. You should work with experts and read through the details of any policy before making a commitment.
  • Choosing the Lowest Bidder: Many people make the mistake of choosing the policy that requires the lowest premium; but lower is not always better. Policies that require low premiums may mean that the policy does not meet your needs later.

Request a Quote for Long Term Care Insurance Policies

As people grow older, their healthcare often becomes a growing concern as they wonder how they will afford to pay for long term care and medical care expenses. With the right long term care insurance plan, you and your loved ones will be protected and you can ensure that your needs will be met.

To learn more about the long term care insurance policies and other services we offer as an insurance broker or to request a quote, call us today.


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