Save on Long-Term Care Insurance
Here at Accent Health Insurance, we’re committed to helping you find affordable Long Term Care Insurance. Gain peace of mind: knowing that you’ll get the care you need, when you need it, without breaking the bank.
What is Long Term Care Insurance?
Long-term care insurance is a safety net that protects you should you be unable, due to age, illness or disability, to perform certain day-to-day activities, such as bathing, getting out of bed, toileting, dressing or preparing meals. Without insurance, such care can become prohibitively expensive.
Our Affiliation with InsureMe
With Accent Health Insurance in affiliation with InsureMe we give you a free online quote service where you can compare policies and ensure a secure future—without putting a huge dent in your budget. Since 1993, InsureMe’s network has helped millions of people buy insurance. Peace of mind is a few clicks away.
Sit back while insurers compete for your business
When you use our service, we create a system where licensed insurance agents compete for your business. The result is that you’ll get the right insurance at the right price, with minimal effort on your part.
Make informed decisions
Our network of licensed agents can guide you through the sometimes complex world of long-term care insurance, helping you to determine what levels of insurance coverage you may need or whether you even need coverage at all. (For most of us who are wealthy enough to be ineligible for Medicaid but are financially unable to cover all Long Term Care costs out of pocket, long-term care insurance is often a sensible investment.)
It’s online, it’s easy and it’s free
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What is Long Term Care Insurance?
Policies that help you pay expenses to take care of yourself when you are not able to care for yourself because of a prolonged disability or illness. Policies may cover home health care, nursing home care, assisted living facilities, adult day care or other alternative services.
Why are people usually unprepared for the extensive cost of an average Long Term Care stay?
Less than 20% of the people needing long term care are able to cover the cost. Although Long Term Care is one of the most important kinds of insurance due to the large cost of a typical stay in a facility, approximately 1% of the U.S population has this type of coverage.
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What is the difference between a qualified and a non-qualified Long Term Care Plan?
The benefits paid by a qualified Long Term Care Plan usually are not taxable as ordinary income. On the other hand, the benefits paid from a non-qualified Long Term Care Plan might be taxable as income.
How do you qualify for Long Term Care Insurance?
Not everyone can qualify for Long Term Care coverage. In order to be approved you need to be in good health. The best time to apply for Long Term Care is when you are healthy. You have a better chance of being approved and the rate will be lower the younger you are when you purchase coverage.
What is the purpose of Long Term Care Insurance Coverage?
Helps you maintain independence since the Long Term Care policy helps keep you from becoming insolvent due to medical bills. Long Term Care Insurance removes the huge financial burden from your children to pay the medical bills of Long Term Care facilities. Long Term Care Insurance gives you access to high quality care. Long Term Care protects your assets. Lastly, Long Term Care gives you peace of mind.
What are my options concerning Long Term Care?
60% of all people will need Long Term Care at some time in their lifetime
- Average cost of nursing homes are about $110/day or over $40,000 per year
- Average nursing home stay is about 2 1/2 years
- A single Long Term Care expense can easily exceed $250,000
- Medicare pays for only the first 100 days of nursing home care
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What is Accumulation Period?
The Accumulation Period is the amount of time, which is predetermined, that must lapse before the benefits are to go into effect for the claimant.
What are the Activities of Daily Living?
The Activities of Daily Living are the primary activities and functions performed daily that people normally do without assistance. These six Activities of Daily Living are eating, bathing, dressing, transferring, toileting and continence.
What is an Adult Day Care Facility?
An Adult Day Care Facility is a place or facility which provides Adults Day Care and, where required, Adult Day Care is certified or licensed to provide the Adult Day Care.
What is the Accumulation Period?
The Accumulation Period is the pre-set amount of time that must pass before the benefits are effective for the insured.
What is an Alzheimer's Care Center?
An Alzheimer's Care Center is a center that specializes in treatment and provides care for Alzheimer's Disease patients. The care is focused on supervised care in a safe environment.
What is an Assisted Living Facility?
An Assisted Living Facility is a facility providing continuous care night and day to people living there who need assistance with one or more Activities of Daily Living sometimes called ADLs.
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