Long-Term Care Insurance in Chattanooga, TN

Long-term care insurance pays for nursing home care, home health care, and personal or adult day care for people who are at least 65 or who have a chronic or disabling condition that needs constant supervision.

Long-term care insurance (LTC) is the best option for many seniors because it offers more flexibility and options than Medicaid. It is different than traditional health insurance. You can use it for personal and custodial care in a variety of settings, such as your home, a community organization, or another facility.

Filling the gaps in your health insurance

While health insurance covers medical bills, it often leaves people paying out of pocket if they have a degenerative condition or are unable to manage daily life. LTC policies are designed to cover services such as home care, day care, nursing homes, and respite care, most of which are not covered by Medicaid, and Medicaid is usually only available after you have already spent most of your assets.

A smart part of an employee benefits package

Long-term care insurance can also be offered as an employee benefit to attract and retain top employees, contain health care costs, and increase productivity. Because retirement savings and standard healthcare coverage may not be enough to guarantee a secure retirement, offering LTC can round out a complete benefits package.

Tanya Garza Insurance Advisors is ready to help you determine whether long-term care insurance is right for you or your business. Contact us to get a free quote now.