Medicare will not pay for years of care. Plan for who will.
Long-term care insurance pays for help with bathing, dressing and eating, at home, in assisted living or in a nursing home. Medicare only covers short skilled nursing stays after a hospital visit, so ongoing care usually comes out of your savings. Julieann compares traditional and hybrid policies that shift that cost to a carrier.
Price long-term care coverage
Three quick answers and Julieann compares traditional and hybrid options for you.
- ✓ Same-day response
- ✓ No cost and no obligation
- ✓ Traditional and hybrid compared
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Nothing on this page is a quote or an offer of insurance. Coverage, pricing and eligibility depend on the carrier, underwriting and your state.
Buy it before your health changes
Carriers underwrite long-term care on your health today. A diagnosis or a new prescription can raise the price or rule you out, which is why most people apply in their 50s or early 60s.
Julieann compares two routes. A traditional policy pays only for care. A hybrid policy combines life insurance or an annuity with a care benefit, so the money goes to your family if you never need care.
What to compare between policies
- The daily or monthly benefit amount
- How many years the benefit lasts
- The waiting period before benefits start
- Whether the benefit grows with inflation
Other coverage for retirement
Fixed and Indexed Annuities
Turn part of your savings into guaranteed income, or grow it tax-deferred with protection from market losses.
- ✓ Income options that last your lifetime
- ✓ Tax-deferred growth
- ✓ Principal protected from index losses
Final Expense Insurance
A small whole life policy that pays for your funeral and final bills so your family does not have to.
- ✓ Premium never goes up
- ✓ Many policies need no medical exam
- ✓ Pays your family directly
Hospital Indemnity Insurance
Pays you a set cash amount for each day you spend in the hospital, on top of your health plan.
- ✓ Cash paid to you, not the hospital
- ✓ Use it for any bill
- ✓ Pairs with Medicare Advantage copays
Long-term care insurance questions
Does Medicare pay for long-term care?
What if I buy a policy and never need care?
Price long-term care while your health qualifies
Julieann compares traditional and hybrid policies. She responds the same day.