Care beyond routine treatment
Long-term care can include assistance with daily activities at home or in another care setting. Covered settings depend on the policy.
Licensed in Nine States · Personal Guidance
Long-Term Care Insurance
Discuss planning for future help with everyday activities and the cost of extended care.
What to consider before choosing coverage
Benefit triggers matter
Eligibility for benefits depends on contract requirements, such as specified daily-activity limitations or qualifying cognitive impairment.
Compare the design
Review elimination periods, benefit amounts and duration, inflation options, covered care, underwriting and exclusions.
Plan for future premiums
Ask whether premiums may increase and how coverage fits your long-term budget. Review any hybrid or life insurance product separately.
Does Medicare pay for all long-term care?
No. Medicare generally does not cover long-term custodial care when that is the only care you need. Coverage for qualifying skilled services is different.
Guidance focused on your situation
We help people across our nine licensed states understand their choices and practical next steps. We review your goals, explain relevant coverage terms and discuss available options without an obligation to enroll.
Have current policy information and your questions available. Ask for a secure intake method before sharing health or financial information.
Find your next step with Lisa
Discuss your questions with a licensed insurance broker.
Schedule Your Guidance CallEducational information only. Advantage 1 Insurance LLC is an independent insurance agency and is not affiliated with or endorsed by Medicare, Social Security, or any government agency. Coverage, benefits, eligibility, premiums, exclusions and availability vary by insurer, product, location and individual circumstances. The policy or plan documents govern. No acceptance, savings or outcome is guaranteed.