Long & Short Term Care
Your Long & Short Term Care
The peace of mind that comes with an affordable home care plan will give you security and a worry-free environment. Many people assume Medicare covers daily assistance — unfortunately, it doesn't. We bridge those gaps.
Short Term Care
Affordable, immediate coverage to bridge the gaps that Medicare leaves behind. Traditional health plans cover only medical care, leaving you to pay out of pocket for daily assistance. Short-term care covers up to 12 months with a 0-day waiting period — highly affordable and immediately effective.
Ask for a Free Quote Today!Home Health Care
Including paid aides or, in some policies, friends and family.
Assisted Living Facilities
Coverage for assisted living stays when you need daily support.
Nursing Homes
Skilled nursing facilities and nursing home stays.
Adult Day Care & Hospice
Adult day care and hospice care coverage included.
Long Term Care
Long-term care encompasses the expenses associated with daily support in your residence. Services include meal preparation, grocery shopping, assistance with personal hygiene, dressing, grooming, and round-the-clock care. Trusted coverage for ages 30–79.
Home Care Support
Various benefits to assist individuals in remaining at home for as long as possible.
Comprehensive Care
Hospice Care, Nursing Home, Stay-at-Home Benefits, Adult Day Care, Assisted Living, and more.
Trusted Coverage for 30–79
Policies available for individuals aged 30 to 79.
Frequently Asked Questions
What is the main difference between Short-Term and Long-Term Care Insurance?
Short-Term Care covers your care expenses for 12 months or less, features a 0-day waiting period, and is highly affordable. Long-Term Care covers your care expenses for multiple years, requires a 90-day out-of-pocket waiting period, and has higher premiums.
What qualifies as short-term care?
Rehabilitation after surgery, illness, or injury, typically lasting days or weeks. Services include physical therapy, occupational therapy, speech therapy, and skilled nursing.
Does Medicare cover short-term care?
Yes, Medicare typically covers up to 100 days of inpatient care after a hospital stay if medically necessary. However, it does not cover ongoing daily assistance at home.
What is long-term care?
Ongoing assistance with Activities of Daily Living (ADLs), such as bathing, dressing, and eating, due to chronic illness or aging. Care is delivered in nursing homes, assisted living facilities, memory care units, or directly at home.
How is long-term care funded?
Long-term care can be funded through personal savings, long-term care insurance, or Medicaid (for those who qualify financially).
Ready to Get Protected?
Our experienced agents are ready to help you find the right coverage at the best price. Contact us today for a free, no-obligation quote.