Long Term Care Insurance

As we age, the likelihood of needing long-term care increases. Long-term care insurance helps cover the costs associated with assistance for daily living activities such as bathing, dressing, and eating, which can be provided either in-home or in assisted living or nursing home facilities. Without insurance, these services can become prohibitively expensive, quickly depleting your savings.
At Mac McIntosh Medicare and Insurance, we offer long-term care insurance plans that provide financial protection against the high costs of long-term care services. These plans are designed to ensure that you or your loved ones can receive the care you need without sacrificing your financial stability. Long-term care insurance typically covers a range of services, including home healthcare, adult daycare, assisted living facilities, and nursing homes.

One of the primary benefits of long-term care insurance is that it allows you to maintain more control over your care options. Instead of relying solely on family members or spending down assets to qualify for Medicaid, a long-term care insurance policy gives you the financial means to choose the care setting that’s right for you. Additionally, some policies offer benefits that cover home modifications, transportation, and respite care, providing even more flexibility and support.

We will work with you to determine the best coverage for your situation, taking into account factors such as your health, financial goals, and family history. Long-term care insurance can provide peace of mind, knowing that you’ll have the resources to afford the care you need, when you need it.