Considering a Long Term Care Insurance Agent?

Whether you are shopping for yourself or an aging parent in your care, finding a long term care insurance agent can save you time and trouble when you need assistance finding the appropriate solutions to your elderly health care needs. Long term care is the care required for people who are suffering from chronic disease or disability.  Having a well-trained agent who is comfortable handling all of the aspects of long term care can not only save you time but save you money as well.  There are many intricate details you must understand in order to make the most of the government provided Medicare or Medicaid coverage in conjunction with your own private insurance in order to defray the expenses as much as possible.  Your agent will be able to help you navigate through the coverage details.

Choosing an Agent

Regardless of your insurance needs, you should choose a licensed, experienced agent who works with reputable insurance providers.  You can easily check with your local Better Business Bureau to make sure your agent is in good standing. Signs of a good agent include someone who

  • Treats you respectfully
  • Can and does answer questions to your satisfaction
  • Is available when you need him or her
  • Returns calls and messages promptly
  • Clearly explains your policy and makes sure you understand your coverage
What Your Agent Can Do

A good long term care agent will be able to find not just the best long term care insurance but the best balance of products for your needs.  He or she will understand how your privately purchased insurance works with Medicare and Medicaid, what the government insurances won't cover so that those coverage can be included in your private policy, and how to keep your costs as low as possible. An agent who is familiar with annuities and trusts as well as health insurance products may be able to help you protect your assets as well.

The Importance of Adequate Coverage

In most cases, Medicare will not pay for long term custodial care, only medically necessary procedures.  Having additional adequate coverage can prevent you from having a drain on your resources as you reach retirement.  It is a good idea to think about your long term coverage needs before you actually need them, when you are healthy and aware enough to make your own decisions about your future.


Long term health coverage can provide coverage for everything from a person to come into your home and help you with meals and light housework to more intensive care provided in a nursing home setting.  It is not just for the elderly; if you are in an accident or become disabled, your long term care insurance can provide you with the protection you need to ensure you receive the necessary care.

Be sure to talk to more than one agent before choosing.  Make sure you trust the agent you choose and feel comfortable talking to him or her about your medical needs, chronic illnesses, and health concerns.

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