Should you ever need long term medical care, the costs can be substantial. A semi-private room in a nursing home in Houston can cost as much as $8,000+ per month – more than many people made while working – and the costs can increase further depending on the amount of medical care required.
Regular health insurance, Medicare, and Medicaid often do not cover these costs. That is why it is often so important for patients to consider obtaining long term care insurance, a type of insurance that helps cover the cost of long term care should someone need personalized help due to illness or injury.
Lauren Shanks at Kaia Insurance Group in Houston, TX, specializes in long-term care insurance solutions. Our aim is to help clients understand their options and choose plans that offer security and peace of mind for the future.
To discuss long-term care insurance and find solutions tailored to your needs in Houston, we invite you to connect with our team through our online form or by calling 512-354-7599.
What is Long Term Care Insurance?
Long-term care insurance is designed to cover the costs of long-term care services, either in a facility or at home, that may be needed due to age, illness, or disability. These services can include personal care, nursing care, rehabilitation, and more. The right long-term care insurance policy can alleviate the financial burden on you and your family, ensuring that you receive the care you need without depleting your savings.
Expert Guidance on Long-Term Care Planning
At Kaia Insurance Group our experience with LTC insurance enables us to provide expert guidance in long-term care planning. Our approach involves a detailed assessment of your needs and a comparison of policies from various insurers to find coverage that aligns with your healthcare goals and financial situation.
Our goal is to make long-term care insurance understandable and accessible. We’re committed to helping you navigate the options and make informed decisions that protect your future.
Long-Term Care Coverage Options
Long-term care insurance policies can vary significantly in terms of coverage, benefits, and costs. It’s important to choose a policy that reflects your individual needs and preferences. Options may include:
- Traditional Long-Term Care Insurance – Provides comprehensive coverage for a range of long-term care services, with various benefit periods and daily benefit amounts to choose from.
- Hybrid Policies – Combine long-term care insurance with life insurance, offering a death benefit in addition to long-term care coverage.
- Short-Term Care Policies – Offer coverage for a limited time, providing a more affordable alternative to traditional long-term care insurance.
Our advisory services include an in-depth exploration of these options, ensuring you have a clear understanding of the benefits and limitations of each.
Tailored Long-Term Care Solutions
Choosing long-term care insurance is a critical step in securing your healthcare future. Kaia Insurance Group is here to assist you every step of the way, from assessing your needs to selecting the right policy. We can also discuss other forms of supplemental insurance, like cancer insurance, to help cover additional medical costs.
Start Planning for Your Long-Term Care Needs
If you’re considering long-term care insurance, let Lauren Shanks and the team at Kaia Insurance Group guide you through the process. Contact us today to explore your long-term care insurance options and take proactive steps toward securing your healthcare future. Trust in our expertise as your dedicated advisors in Houston, TX, to provide the support and guidance you need in planning for long-term care.