Peace of Mind Ahead
Planning for the Unexpected
Long-Term Care Insurance for Texans Ready to Take Control
Why It Matters
Long-Term Care Costs Can Add Up Fast
Long-term care insurance helps cover the cost of services that support your daily living—from in-home caregivers to assisted living and nursing facilities. Regular health insurance and Medicare don’t pay for this type of extended care.
Most people over age 65 will need some form of long-term care. Without a plan, you risk spending down your assets or burdening loved ones. Long-term care insurance offers financial protection and greater flexibility in your care choices.
What Does Long-Term Care Insurance Cover?
Support When It’s Needed Most
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Daily benefit for care services
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Coverage for home health, adult day care, assisted living, nursing care
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Custom benefit periods (3-year, 5-year, lifetime)
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Elimination periods (waiting before benefits start)
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Optional inflation protection
Every policy is different, but the goal is the same: to ensure you have access to care without draining your savings. We'll help you understand the options and what makes sense for your future.
When to Start Thinking About LTC Insurance
Timing Is Everything
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Mid-50s to early 60s is ideal
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Lock in lower rates while healthy
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Plan before health changes limit eligibility
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Important part of retirement strategy
Buying early means more options and better pricing. It’s a conversation worth having before you need it—and one that can provide peace of mind to both you and your family.
Helping Texans Prepare With Confidence
At Advanced Insurance Group, we help you determine if long-term care insurance is the right fit for your goals and finances. Some families may benefit from traditional LTC policies, while others may prefer hybrid solutions like life insurance with care riders.
We represent multiple top-rated LTC carriers and explain everything in plain language, from benefit triggers to partnership program eligibility. If you need long-term care down the road, we want you to be ready.
Because It’s Not Just About Insurance—It’s About Planning
Know More, Plan Better
Long-Term Care Insurance FAQs
Have questions? You’re not alone. Here are answers to some of the most common questions we hear from Texas residents planning for future care.
FAQs
Will Medicare pay for long-term care?
No. Medicare only covers short-term skilled nursing care. Long-term care insurance fills that gap.
How much does long-term care insurance cost?
It depends on your age, health, and benefit amount. A healthy 55-year-old might pay $100–$150/month; at 65, that could double.
What if I never use it?
Some policies offer return-of-premium or hybrid benefits, but for many, peace of mind is the main reason to invest.