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Long Term Care Insurance in Texas
Long-term care insurance helps cover the cost of extended care services that are not covered by Medicare or traditional health insurance. This includes care provided in nursing homes, assisted living facilities, or in your own home. As people live longer, planning for potential long-term care needs has become an important part of protecting retirement savings and maintaining financial independence.
Many individuals are surprised to learn that Medicare does not cover most long-term care expenses. Medicare may cover short-term rehabilitation under specific conditions, but it does not cover ongoing custodial care, which is the most common type of long-term care.
Long-term care insurance helps provide financial protection by covering services such as:
- Nursing home care
- Assisted living facility care
- In-home care
- Adult day care services
- Memory care services
Having coverage in place allows you to receive care in the setting you prefer while helping protect your assets and reducing the financial burden on family members.
When to Consider Long Term Care Insurance
The best time to explore long-term care coverage is typically before retirement or in the early retirement years. Eligibility and premiums are based on factors such as age and health, and applying earlier often provides more options and lower costs.
Many individuals in Texas choose to review long-term care coverage as part of their overall retirement planning strategy, especially as they approach Medicare eligibility.
Understanding Your Options
There are several types of long-term care coverage available, including traditional long-term care policies and hybrid policies that combine life insurance with long-term care benefits. Each option has different features and benefits depending on your goals and financial situation.
Reviewing your options with an independent advisor can help ensure you select coverage that aligns with your long-term plans.
Long Term Care Planning Guidance in Texas
Oakline Benefits provides education and guidance to individuals throughout Texas who want to understand their long-term care insurance options. As an independent broker, we help you review available coverage and understand how long-term care planning fits into your overall retirement strategy.
Consultations are provided at no cost, and the goal is to help you make informed decisions about protecting your future.
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This is a solicitation for insurance. Submitting your information or calling any phone numbers listed on this website will connect you with a licensed Agent/Broker. Medicare has neither endorsed nor reviewed the information on this website, and we are not connected or affiliated with any United States government or state agency. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
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