Pittsburgh, Pennsylvania Long Term Care Insurance
Today, the costs of nursing homes and elderly care is continuing to rise. If you plan now, you can provide you and your family with the coverage you need to protect your assets and maintain financial security that you may need later in life.
In general, if you can't perform daily activities because of an impairment as a result of chronic illness or disability, you will need long term care. This would include the assistance you could need if you are unable to take care of yourself for a long period of time. However, some people who need help with these daily activities may only need them for a few months.
Long Term Care Insurance in Pittsburgh, Pennsylvania
Do I need long-term care insurance?
Typically, don't rely on Medicare if you're over 65. Health insurance rarely pays for the cost of long-term care and Medicare usually doesn't cover custodial care. Medicaid is a program that pays for the medical and long-term care expenses for poor people, so if you are in that situation, you may not need long-term care insurance because your state's program may pay for your long-term care expenses.
In addition, if you have financial security, you may not need long-term care insurance. Many suggest to pay for your long-term care coverage as the expenses arise. If you realize you may not qualify for Medicaid and won't have the financial means to cover all your expenses, long-term care insurance offers peace of mind for you and your family.
Some professionals have given suggestions on tips to help you decide whether to purchase long-term care insurance. If you meet these requirements, long-term care insurance may be a good fit for you and your family:
- You can afford the cost of the monthly premiums and can still afford the cost if there is a increase in premiums in the future.
- Your assets average more than $80K and your annual income averages at least $35K.
- Most companies will only write long-term care policies to individuals between ages of 40 and 84.
These are only guidelines and not rules for obtaining long-term care insurance, and you will need to consult your agent on the policies details and requirements. We offer long term care insurance in Pittsburgh, Pennsylvania including the Allegheny County, Beaver County, Fayette County, Washington County, and Westmoreland County areas.
Long-Term Care Insurance
Long-term care insurance protects those with caregiving needs from unnecessary financial burdens.
At Medicare Specialist Of Pittsburgh, we provide comprehensive insurance packages to help people secure a better quality of life. We deliver personalized solutions that are fair and affordable, and we ensure every individual receives the care they need and deserve.
Call us now at (412) 343-0344 to browse through different long-term care insurance providers.
Discovering the Right Long-Term Health Insurance for You
As a long-term care insurance broker, we carry some of the most competitive care insurance packages on the market today. We give you a vast range of options from different insurance carriers at various price points. By doing so, we help you find the right insurance coverage for you and your family.
Our long-term care packages can include:
- Nursing care insurance
- Assisted living services
- Homemaking assistance (including cleaning, laundry, etc.)
- Personal caregiving services
- Long-term rehabilitative care
- And more
We offer a wide array of insurance plans with different amounts of coverage. Whatever your needs may be, consider us the right team for the job.
Benefits of Our Long-Term Care Insurance Coverage
Maximum coverage at a minimal price. As an insurance agency, we strive to deliver the best coverage at the best price points possible. We provide cost-effective solutions for all our clients’ care-related needs. Throughout the process, we promise our clients a host of benefits, including:
Greater Financial Security
Our agents work closely with you to find a package that keeps you protected in case of physical injury or old age. Come what may, we’ll be there to make sure you have the coverage you can afford.
Our insurance helps prevent your wealth from deteriorating in the face of rising health-care costs. To ensure you leave a lasting legacy for your loved ones, seek a long-term care package from Medicare Specialist Of Pittsburgh.
With our insurance, you’ll have access to high-quality care from trained, certified, and experienced professionals. It’s an effective means to mitigate risk and ensure your well-being. That way, you can continue to enjoy a high quality of life, no matter what lies ahead.
Long-Term Care, Long-Term Customer Support
Medicare Specialist Of Pittsburgh is committed to delivering our services with the highest standard for customer care. We don’t consider our job to start and end at the point of sale. Instead, we maintain strong working relationships with each client who comes our way. You can always expect an open line of communication, compassionate support, and expert guidance from our team.
We are always ready to help our clients and answer any questions they may have. When it comes time to file a claim, we can help you navigate the process so that you can access your insurance in a minimal amount of time. With us, you have a team with you every step of the way.