Plan for care that health insurance does not cover
Long-term care is help with daily life at home or in a residence. Tell us a little about your situation and, with your permission, we will introduce you to a specialist.
Health insurance pays for medical care
Medicare and individual health plans cover doctor visits, hospital stays, and prescriptions. They generally do not pay for ongoing help with bathing, dressing, meals, or supervision when memory changes. A short stay in a skilled nursing facility after a hospital visit is a different benefit, and it ends.
Long-term care pays for daily help
A long-term care policy is meant for the cost of that daily help, at home or in a facility, so a family is not paying for it entirely out of savings. It is medically underwritten. The earlier someone looks, the more options are usually open.
Where that care happens
The same policy can be designed around more than one setting. A specialist matches the benefit to the kind of care you actually want.
Help with bathing, dressing, meals, and getting around, so someone can stay in the house longer.
A residence with daily support, meals, and staff nearby, short of a nursing facility.
A more supervised setting for Alzheimer’s, dementia, or another cognitive illness.
Round-the-clock care when home or assisted living is no longer enough.
When people usually start
Many traditional policies are issued from about age 40 to 79, and the price climbs with age. People often call after a parent needed care, while they are planning retirement, or because a financial advisor suggested it. Couples are often quoted together, because shared benefits and a couple discount can change the numbers.
If savings outside the home are very limited, a policy may not be the right tool. Medicaid planning is sometimes a better fit. The form asks for a range, not an account balance, so the specialist can tell the difference before anyone spends time on a quote that will not work.
If you live in Washington
Washington has a state program, WA Cares, with its own rules. It is not the same thing as a private long-term care policy. Tell us your state on the form and the specialist can explain how the two fit. Oregon does not have an equivalent state program.
What we ask, and what we do with it
This site will eventually point to a practice dedicated to long-term care. For now, the conversation starts here. The form is short on purpose.
- Who needs coverage, and each person’s date of birth.
- What prompted the question.
- One yes-or-no health question. We do not ask for medical details.
- A range for savings, not including the home, and a comfortable monthly budget.
- Any long-term care coverage you already have.
- Whether you also want help with Medicare or an individual health plan. That part stays with us.
We share the form with a trusted long-term care specialist only if you authorize it. Without that permission, we cannot make the introduction.
Request a conversation
We follow up within 24 hours. If you also need health insurance, say so on the form and we will help with that directly.
General information, not a quote. Whether a policy is available depends on the carrier, your age, your health, and your state.