brandlogo
Medicare Optimized Get The Benefits You Deserve
*a non-government Agency Website
Contact Us Get A Quote Meet Our Team
Questions? Call us now. (800) 800-4937
Home
Medicare Optimized | HomeMeet Our TeamContact UsGet a QuoteBook An Appointment
Medicare Learning Center
Understanding The Basics of MedicareMedicare Advantage PlansWhat is Medicare Supplement (Medigap) Insurance?Part D Prescription Drug PlansMedicare 2025 Costs at a GlanceCoordinated Medicare/Medicaid Benefits
Social Security Benefit Information
Social Security Retirement PlanningUnderstanding Your Social Security Benefits
ACA Marketplace Plans
Understanding Your Health Insurance OptionsHealth Insurance Plans Available on the MarketplaceEssential Health BenefitsSummary of ACA Benefits and CoveragePreventive Health Services for AdultsShort-Term Medical Insurance – Temporary CoveragePre-65 Health Care InsuranceHealth Savings AccountsUnderstanding the Affordable Care ActChoosing Dental CoverageVision Insurance: Is It Right For You
Final Expense
Burial and Final Expense InsuranceWhy it’s Worth Considering Final Expense Insurance?
Long Term Care Insurance
What is Long Term Care Insurance?How Much Long Term Care Insurance is Enough?NOW is The Time for Long Term PlanningFact vs Fiction About Long Term Care InsuranceHybrid Long Term Care Insurance vs Traditional Long Term Care Insurance
Blog

What is Long-Term Care Insurance?

As we age, the likelihood we will need some type of medical or personal care increases. We may need long-term care — a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time. Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living facilities, or in nursing homes.

On average, the need for long-term care services lasts months or years, not weeks or months, and can be very expensive. The costs of long-term care on average exceed $50,000 per year (www.longtermcare.gov). Generally speaking, Medicare, Medicare supplement insurance, and basic medical insurance plans do not cover the cost.

Long-term care insurance was developed for precisely this reason — to provide the needed financial protection against the cost of long term care that other plans simply don’t cover. If you need long-term care services, what financial resources could you call on? Do you have the necessary savings to pay for home health care for six months, a year, or longer, without the expense being a burden on your lifestyle?

If not, long-term care insurance may be a good option for you to explore.

An insurance policy, based on your need for care, will pay a daily or monthly benefit amount to cover some or all of your long-term care costs. Some policies will pay benefits for up to a stated period of time, such as three or four years, while others pay until a maximum dollar amount has been paid, such as $150,000. Most policies have options for your daily or monthly and policy maximum benefits to automatically increase every year, so that your coverage keeps pace with rising health care costs.

It’s never too early to consider long-term care insurance because:

  • The younger you are when you buy long-term care insurance the less it cost.
  • Once you have the coverage, it is Guaranteed Renewable for life — it cannot be cancelled. Conversely, once you become too unhealthy to obtain it, you are unlikely to ever be healthy enough to qualify again.

If you are 45 years of age or older and do not have coverage in place, we encourage you to learn more now. For more information including a personalized quote, please contact us.

Long Term Care Insurance
  • What is Long Term Care Insurance?
  • How Much Long Term Care Insurance is Enough?
  • NOW is The Time for Long Term Planning
  • Fact vs Fiction About Long Term Care Insurance
  • Hybrid Long Term Care Insurance vs Traditional Long Term Care Insurance

Medicare Optimized

Get The Benefits You Deserve
*a non-government Agency Website

Follow Us

About Us

With a dedication to client-centric service and extensive industry expertise, Medicare Optimized empowers individuals across the Pacific Northwest and beyond to navigate their Medicare options with confidence and ease. While we primarily serve the Puget Sound community, we are licensed in several states throughout the country. No matter where you're located our mission is to ensure that you receive tailored guidance and support in selecting the most suitable Medicare plan to meet your unique healthcare needs and budgetary considerations. Whether it's deciphering plan benefits, exploring supplemental coverage options, or optimizing prescription drug coverage, our team of experienced professionals is dedicated to delivering unparalleled assistance and peace of mind to every Medicare beneficiary we serve. At Medicare Optimized, we believe in fostering long-term relationships built on trust, transparency, and a commitment to enhancing the healthcare journey for all.

Other Links

Privacy Policy
Legal Terms

Address

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

We do not offer every plan available in your area. Currently we represent 16 organizations which offer 206 products. Any information provided is limited to those plans that we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

© Copyright 2025Medicare OptimizedAll rights reserved.
Insurance Websites by AgentMethods
...