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Huhn Insurance Agency
Plan Ahead for In-Home Support, Assisted Living & Nursing Care
Plan Ahead for Care That Health Insurance Doesn’t Cover
If you ever need extended care — at home, in an assisted living facility, or nursing home — regular health insurance and Medicare may not cover the cost. That’s where long-term care insurance comes in. We'll help you understand what long-term care involves, how much it could cost, and how to protect their finances while planning ahead.
What You Need to Know About Long-Term Care Insurance
Wondering If It’s Necessary?
Long-term care insurance helps cover services that support daily living activities like bathing, dressing, eating, and mobility. These services can take place at home or in a care facility, and they’re often not covered by health insurance or Medicare. A long-term care policy can help you avoid draining your savings or relying entirely on family. We’ll walk you through your options and help you decide if coverage makes sense for your situation.
What We Help With
- Explaining how long-term care insurance works
- Reviewing average costs of care in your area
- Comparing policy features like daily benefits & benefit periods
- Discussing traditional vs. hybrid life/long-term care policies
- Estimating the right coverage amount based on your goals
- Helping individuals, couples & families plan for the future
Who This Is For
- Adults in their 40s, 50s & 60s planning for retirement
- Seniors concerned about out-of-pocket care costs
- Families with a history of Alzheimer’s, stroke, or chronic illness
- Caregivers helping parents prepare for potential needs
- Those who want to protect their assets & independence
Notes & Tips
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Medicare typically does not cover long-term custodial care — a separate policy is needed to fill that gap.
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The cost of assisted living and in-home care in rural areas can be high — planning early gives you more options and lower premiums.
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We can help you review plans by phone, online, or in person.
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Some hybrid life insurance policies include long-term care benefits — we’ll help you explore those if you want multiple protections in one.
Frequently Asked Questions
At what age should I consider long-term care insurance?
Most people start considering it between ages 50 and 65 — applying earlier can mean lower premiums and better plan options.
Does Medicare cover long-term care?
Only in limited situations and for short periods. It does not cover custodial care or extended stays in assisted living.
What is a benefit period or elimination period?
The benefit period is how long your coverage lasts. The elimination period is how long you must wait before benefits begin. We’ll help you pick the right combination.
Are there policies that return premiums or combine with life insurance?
Yes — hybrid policies may offer both. We’ll help you compare traditional and hybrid options.
Can I use the benefit for home care?
Yes — many plans allow you to use the benefit for qualified care in your own home, not just a facility.
Plan Ahead with the Right Long-Term Care Coverage
We’ll help you explore options that protect your independence, your savings & your peace of mind — with clarity and local guidance.
