Exclusive Group Benefit Program for AAP Members
According to Genworth, in 2018 the average cost of a private room in a nursing home was almost $100,380 per year.§ When you’re faced with rising healthcare and living costs for an aging population, the reality is only two things will likely cover your care when you need it in your older years—either your retirement assets or Long-term Care insurance.
With Long-term Care Insurance, you feel better knowing you planned ahead for quality care. And it’s not just for your peace of mind. Your family faces far less emotional and financial burden in deciding the best course for your care.
LTCRplus is a service to help you navigate through the complex emotional and financial challenges of Long‑Term Care and acess the best insurance plans that can help you pay for it.
Request a FREE LTCRplus Benefit Guide below
Four Areas of LTCRplus Service:
LTC Funding – Evaluate all the options to protect your assets and pay for care with exclusive group discounts.
LTC Navigation – Find the best care providers or facility based on specific needs.
LTC Care Audit – Assess a current care situation to make sure proper care is received, at a facility or at home – around the country.
LTC Legal – Create important legal documents needed when aging: Living Will, Power of Attorney, and more.
For additional information, visit the LTCRplus Education Center.
Important Questions:
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Does Medicare or Medicaid pay for Long-Term Care?
Some services are covered, but others are not. Medicare only pays for long-term care if you require skilled service or rehabilitative. The majority of Long-Term Care falls under non-skilled assistance, which Medicare does not cover. Medicaid covers more aspects of long-term care, but you must meet income and asset requirements to qualify and choice may be limited, such as physicians and facilities.
Does Medical Insurance pay for Long-Term Care?
Some aspects of long-term care are covered by medical insurance, such as nursing services to recover from illness or injury, however they are not the same thing. Your medical benefits may be limited by a maximum benefit you may receive. Medical insurance is not designed to cover day-to-day living, but long-term care is.
Are my spouse or other family members covered?
Coverage is available at the discounted rate for both you and your spouse. Additional coverage can be purchased for parents, parents-in-law, and adult children.
Have more questions?
For more information on this Long-term Care Insurance – features, costs, eligibility, renewability, limitations and exclusions – please complete the form on this page. Or, contact an LTCRplus specialist at 1‑855‑LTC‑PLUS.
§Genworth 2018 Cost of Care Study
The Long-Term Care Resources Network is only available for residents of the U.S. Coverage may vary or may not be available in all states.