long term care insurance quotes  

Medicare does not cover the cost of long term care and nursing home care. So get it covered with long term care insurance!

According to the American Health Care Association 9,803,755 Americans needed long term care in 2010. Four out of every 10 older people stay in a nursing home at some time, and nearly one in ten will stay for five or more years (the average stay in a nursing home is 2 and half years). And if you are lucky enough to live to a ripe old age then this rises to one in four people over the ages of 85 living in nursing homes.

Now, let me ask you a question. Are you wealthy? If you are then you won't be for long if you have to pay for this! The average daily cost of nursing home care ranges between about $100 a day to over $300 a day. So you are looking at typical annual charges of between $36,400 and $109,200. And the average cost of nursing homes varies dramatically depending on which state you live in, from $90 a day in parts of Georgia to over $300 in Boston, with the average cost around $192 a day for a private room. (over $70,000 a year). And remember that long term care is NOT covered by Medicare, so these are expenses that fall on YOUR shoulders. Given these facts it definitely makes sense to investigate long term care insurance.

The first thing to bear in mind is that long term care is generally not covered by most health insurance policies or disability insurance. So it is something that you need to make special provision for separately. Discuss your long term care plans with your family (as they may be involved in caring for you), and consider the range of options that you may require, from day care, assisted living facilities or nursing home care. Also remember that the younger you start any long term care insurance plan, the cheaper it will be. If you buy a policy in your 40's or 50's then you will be able to get far more comprehensive coverage then you will if you wait to buy until later.

Also whatever policy you do decide on make sure that it keeps pace with inflation. You might not need to use the benefits at all (hopefully); but if you do then you want to be confident that your long term care insurance will actually buy you some long term care! Whatever your current circumstances or age though this is an area well worth investigating now. The years have a habit of flipping by all too quickly, and it is always nice to know that your future health and care is ensured.

More Long Term Care Insurance Information

Medicaid Qualifications - What Are The Conditions To Qualify For Medicaid?
One of the questions that many people find themselves asking later on in life is whether or not they will be able to qualify for Medicaid.

Maryland Assisted Living - A Guide to Assisted Living and Nursing Homes In Maryland
As our loved ones age, it sometimes becomes impossible to provide them with the kind of care they require. If you're considering assisted living for yourself or for a relative in Maryland, you may be bewildered by the range of options.

A Short History of Medicaid
Medicaid is a health insurance program in the United States which provides care for individuals and families with low incomes.

A Long Term Care Insurance Review - How To Get Affordable Long Term Care Insurance
Long term care insurance pays for long term care services in many settings. These include home care, residency at a nursing home or assisted living facility, and adult day care facilities.

A Guide to Maryland Long Term Care Insurance
Long term care insurance is a kind of insurance available mostly in the United States to help cover the cost of long term care beyond a specific period.

Texas Nursing Homes and Texas Long Term Care Insurance - An Easy Guide
Long term care is about helping a person function and manage day to day activities when the problems cannot be cured, so that they can maintain more of a normal lifestyle.

Long Term Care Insurance Ratings - How To Decide Between Long Term Care Providers?
For millions of people in America, purchasing long term care insurance is a mind boggling prospect. Insurance agents are prepared to give you many complex and confusing options.

Arizona Elder Care - An Overview of Elder Care and Nursing Homes in Arizona
When we grow older, there is a possibility that we will lose some of our abilities and become unable to take care of ourselves as well as we once did.

The Easy Guide to Long Term Care Statistics For Carers
Providers of long term care for the elderly and the disabled, such as nursing homes, professional nurses, and assisted living facilities need to be able to keep track of what is going on in their industry.

Ohio Nursing Homes - A Guide to Assisted Living and Nursing Homes in Ohio
Long term care is a name for the variety of services performed by assisted living facilities and nursing homes to help meet the needs of people who have a chronic illness or disability.

Florida Nursing Homes - A Guide to Assisted Living and Nursing Homes in Florida
If you or someone you love has come to a point in life where living alone or unassisted has become impossible, it is very important to start to take a look at the options and see what might be available.

How To Apply for Medicaid
Medicaid is the United States health insurance program for families and individuals of low income.

A Guide to California Long Term Care Insurance
If you are in a situation where long term care is important, there are few facts you want to consider.

Who Are The Best Long Term Care Insurance Providers?
If you are at a point in your life when you are starting to look for a good long term care provider, you need to look through your options carefully.

How To Get The Best Long Term Care Insurance For YOUR Loved One
Helping a loved one find good long term care can be very difficult, not to mention heartbreaking at times.

Early Retirement Planning - What Factors You Need To Enjoy The Perfect Retirement!
No matter where you are in life, it is extremely important to look ahead to years when you are not going to be interested in or able to keep working the forty hours a week you may be used to.

Long Term Care Insurance - Price? Why The Price of Long Term Insurance Isn't The Only Factor You Should Consider
More than likely, at some point in your life, you or someone you love will have to face the fact that long term care might be needed in the future.

Long Term Care Quotes, Strategies and Resources Revealed!
As we get older, our questions about our futures abound and some questions become inevitable. How will I live, and who will take care of me should I need it.

Retirement Planning Calculators - How To Factor in the Cost of Long Term Care Insurance
When planning for retirement, you'll probably be much more interested in things like where you want to live and what you want to do, than in deciding on things like the advantages of live-in care versus assisted living options.

A Short History Of Nursing Homes in the United States
The history of nursing homes in the United States is newer than you might think and we have come a long way in the last one hundred years.

The Long Term Care Insurance Cost - Is It Worth It?
You may be wondering if you should invest in long term care insurance. This relatively new kind of coverage is available in case you need to have care at home from a medical professional, in a nursing home, or in an assisted living arrangement.

Longterm Care Insurance - What Optional Extras Are Available?
Longterm care insurance is an option that an increasing number of Americans are using to secure their future care.

Buying Long Term Care Insurance - The Step By Step Guide
A good long term care insurance policy could be an important step to keeping you financially afloat if illness or another condition prevents you from performing daily tasks.

What Is Long Term Care?
Long term care is a term describing a variety of services which help to meet the needs of people who have a chronic illness or disability, both medical and non-medical.

Georgia Medicaid - A Guide to Medicaid and Managed Care in Georgia
Medicaid is the largest division in the Georgia Department of Community Health. This program provides health care for children, pregnant women, people over the age of 65, and blind and otherwise disabled people.

A Guide to Group Long Term Care Insurance
The average cost of a nursing home stay in America is close to $50,000 per year and rising.

Ohio Medicaid - A Guide to Medicaid in Ohio
Medicaid is the largest health and long-term care program in Ohio. It combines funds from both the federal and state levels to help purchase health care coverage for low income and medically vulnerable people.

Florida Medicaid - A Guide to Medicaid in Florida
In Florida, the Medicaid program was implemented in 1970 to provide medical services to indigent people.

How To Qualify for Medicaid Long Term Care
Most people know that Medicaid provides assistance to people who couldn't otherwise get medical care, such as the low-income elderly, disabled, and children of poor families.

Florida Long Term Care Insurance - An Easy Guide
Long term care insurance is a relatively new kind of insurance that many Florida residents may not be aware of.


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