Long-Term Care insurance policies, Whole Life Insurance policies with a Critical Care rider and other insurance products are available to help defray the costs of Long-Term Care. Long-term Care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Long-term care insurance generally covers home health care, assisted living, respite care, hospice care, nursing home, and Alzheimer's communities. If you have an existing insurance policy in place, we can help review your insurance benefit coverage to make sure it will properly cover your Long-Term Care benefit needs.
If you do not have a insurance in place to help pay for your Long-Term Care needs, at Golden Living Guidance we are licensed life and health insurance agents and we will work with you to review the insurance options that are available and help you choose the right insurance product to meet your Long-Term Care needs. As with any insurance policy, Long-Term Care and Whole-Life insurance policies need to be in place before it is needed.