70% of those ages 65+ will need some type of long term care. Is long term care insurance for you? Call us at iHealthBrokers at 888-410-0344. Our services are 100% FREE

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0:00 Intro
1:24 Medicare & Long Term Care
2:39 Medicaid
3:22 Costs
5:20 Benefits & Criteria
6:36 Limits
7:21 Save Money


Original Medicare does NOT cover long term care. The confusion lies with Medicare Part B which covers skilled nursing facilities. Long term care (for something like Alzheimer's) may disqualify you. Additionally, skilled nursing facilities are not designed to help with things like eating, dressing and bathing. You must need true medical care; like changing a medical dressing from an operation.

Long Term Care covers between 50,000-100,000 per year. But premiums can be rather expensive. A single, healthy 55 year old man will pay approximately $1700 per year. They vary based on your age, health, gender, and marital status. You'll be asked to fill out a questionnaire or undergo a medical evaluation. The older you get, the more likely you will be charged more.

You may have to meet your elimination period- 30, 60 or 90 days in which you'll be responsible for the costs. After that there may be limits to your coverage. Your plan may have a time limit, perhaps up to three years. There may be a financial limit, possibly $300,000. You can also enroll in a plan with no limits but those tend to have much higher monthly premiums.

It is definitely a more expensive type of health insurance. Certain plans offer benefits for married coupes such as being able to draw from your spouse's benefits once you've exhausted your own. Additionally, if you itemize your deductions come tax time, you may be able to deduct your monthly premiums.


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