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Home » Long-term Care Insurance

Long-term Care Insurance

The team at ISU-Atwood Agency in Placerville, California, can help you understand your long-term care insurance options and secure a plan to help meet your future needs.

What Is Long-term Care Insurance?

Long-term care insurance is designed to pay for services to help with day-to-day care tasks that traditional health insurance or Medicare typically doesn’t cover. It’s intended to help pay for long-term care services, which can include assistance with routine daily activities or ongoing medical care in various settings such as your home, a community organization or other facilities.

What Does Long-term Care Insurance Cover?

Long-term care insurance coverage can vary, but policies may help cover the following:

  • In-home care—This provides assistance with daily activities such as bathing, dressing and eating.
  • Community services—This may include adult daycare services and transportation.
  • Assisted living—This includes housing for those who need assistance with daily care but don’t require a nursing home’s full-time health care services.
  • Nursing home care—This provides a higher level of care, including 24-hour medical attention.
  • Memory care facilities—This provides specialized care for individuals with Alzheimer’s or other forms of dementia.

What Does Long-term Care Insurance Cost?

The cost of long-term care insurance can vary based on several factors, including your age, health status, the amount of coverage you choose and the policy’s benefits. Getting a long-term care insurance quote can provide a clearer picture of the potential costs for your situation.

Contact Us

Planning for long-term care is essential in securing your future health needs. At ISU-Atwood Agency, we are committed to helping you find the right insurance for long-term care that aligns with your needs and preferences. Contact us today for a long-term care insurance quote.