Long-Term Care

Long-Term Care (LTC)

Long-term care can include help with everyday activities such as bathing, dressing, and eating. Planning ahead gives you and your family time to consider where you would like to receive care and how to pay for it.

Care may be provided at home, in the community, in assisted living, or in a nursing home. Your needs and available support can change over time.

LTC services can be expensive

Costs depend on where you live, the setting, the level of assistance, and how long you need care. Obtain current estimates from local providers when planning your budget. The Texas Department of Insurance long-term care guide explains coverage options and factors to consider.

Understand what Medicare covers

Medicare and Medigap generally do not pay for ongoing custodial care, such as help with daily activities. Medicare may cover qualifying skilled nursing or rehabilitation care under specific conditions. Read Medicare's explanation of long-term care coverage before relying on those benefits.

Medicaid has eligibility requirements

Medicaid may help pay for long-term care if you meet your state's financial and care requirements. Coverage and eligibility depend on the program and your circumstances. Include those rules when comparing Medicaid, personal savings, family support, and private insurance.

Consider the impact on family caregivers

Family members may provide valuable help, but their health, work schedules, and other responsibilities can affect how much care they can offer. Discuss expectations early and consider the financial and practical support a caregiver might need.

Start planning before you need care

Think about the services you may need, where you would receive them, and how you would pay. If you are considering insurance, eligibility and premiums can depend on your age, health, and the policy you choose.

Choose coverage that fits your circumstances

Review covered settings, benefit amounts, waiting periods, inflation protection, exclusions, and premiums. Long-term care insurance is one possible funding option; the right approach depends on your budget, resources, and care preferences.

We can help you compare available policies and discuss your questions. Call 800-687-8443 for a no-obligation consultation.