Care at home is expensive. A policy is how you keep from asking the kids.
PrepSmart is an independent shop for long-term care insurance. Answer a few questions; a specialist follows up with options that fit.
Independent
We are not a carrier. Quotes come from more than one company.
Licensed
Coverage is available in all 50 states.
A person, not a portal
Call (888) 310-2002 if you would rather talk first.
Medicare will not pay for years of help at home.
A year of home care or a nursing facility can run into six figures. That money comes out of savings, or it comes from family who then become the caregivers.
Long-term care insurance is a way to pay professionals instead. Traditional policies, hybrid life policies, short-term care, and annuity-based benefits all do a version of this. Which one fits depends on age, health, and what you want left for the people after you.
Five questions. Then a person.
The form on this site is the same one a specialist reads. There is no instant bind and no comparison mailing.
1
Age and zip
Enough to know whether coverage is even in play. No name yet.
2
What you want
Traditional LTC, a hybrid, short-term care, or you are not sure.
3
How to reach you
Name and email so a specialist can pick up the file.
4
The rest of the contact
Phone, state, and whether a spouse or partner should be on the quote.
5
Health, in brief
Smoking, a self-rating, and a few yes/no questions. Then we follow up.
Four ways to fund care
- Traditional long-term carePays when you need help with daily activities. Premiums are for the benefit, not a cash value.
- Hybrid life + LTCLife insurance with a long-term care rider. If you never claim care, a death benefit remains.
- Short-term careMonths, not years. Often easier to qualify for, and useful as a bridge.
- LTC annuitiesA deposit that can multiply for care. For people who would rather fund benefits than pay a premium.