Long-term Care Insurance in California
Most health insurance plans and Medicare provide little coverage for extended nursing home stays, assisted living, or in-home care. ISU Insurance Services – Atwood Agency, with offices in Placerville and Georgetown, CA, helps families throughout El Dorado County and greater Sacramento plan ahead with long-term care insurance that protects their savings.
What Does Long-Term Care Insurance Cover?
Long-term care insurance helps pay for care you need when you can no longer perform daily activities independently, such as bathing or dressing, due to a chronic illness, disability, or cognitive impairment. Coverage can apply to a nursing home, assisted living facility, adult day care, or your own home.
Types of Long-Term Care Coverage
- Traditional Long-Term Care Insurance: Pays a daily or monthly benefit toward qualifying care expenses.
- Hybrid Life/Long-Term Care Policies: Combines life insurance with a long-term care benefit for your beneficiaries.
- Home Care Riders: Helps cover the cost of in-home caregiving services.
Why Long-Term Care Insurance Matters
Medicare covers only limited, short-term skilled nursing care, and Medi-Cal requires meeting income and asset limits, currently $130,000 for an individual as of 2026, before covering long-term nursing home care. Planning ahead helps protect your retirement savings and gives you more control over your care.
Frequently Asked Questions
- When should I buy long-term care insurance? Most people purchase coverage in their 50s or 60s, when premiums are generally lower.
- Does Medicare cover long-term care? No, Medicare only covers limited skilled nursing care after a qualifying hospital stay.
Get a Long-Term Care Insurance Quote Today
ISU Insurance Services – Atwood Agency is ready to help families throughout Placerville, Georgetown, and greater Sacramento plan for the future. Contact us today, or visit our Contact Us page to request a quote.
