|Obamacare’s attempt to create a long-term care program is officially dead. Congress recently threw it off the fiscal cliff. Without this program, here are three realistic options.
Option 1: Be ready to pay
Option 2: Rely on family caregivers
Option 3: Avoid headaches and hardship by leveraging your ASA member benefits
Read on to learn more…
Option 1: Be Ready to Pay
Have a boat load of money ready to spend.
- Nursing home care averages $70,000 per year.
- Assisted living facilities costs about $36,000 per year.
- In-home health services cost an average of $29 per hour.
SOURCE: Kaiser Commission on Medicaid, Fact Sheet. February 2009.
Option 2: Rely on Family Caregivers
Prepare to add to the tens of millions of Americans who serve as unpaid family caregivers, most of whom not only provide care to a loved one, but continue to work full time.
Option 3: Let ASA’s Experts Find Your Ideal LTC Plan
Avoid the significant financial and physical side effects of Options 1 and 2 and let our licensed insurance experts find an LTC insurance plan that fits your needs and your budget.
REQUEST RATES & ASSISTANCE
Exercise Your Freedom to Choose
ASA offers a variety of long-term care (LTC) plans and providers from which to choose, giving you the coverage you need at the most affordable rates available.
For a 60-year-old woman in good health, a basic LTC policy can be less than $150 per month. *That’s a significant savings compared to the cost of nursing home care, assisted living, and in-home health services.
Plan Options Include:
- Concierge health care option
- Customized care plans
- Shared benefits for couples
- Inflation protection options
- Plans with tax advantages
When to Buy LTC Coverage
The best time to buy an LTC policy is BEFORE you need it. It must be purchased as a stand-alone policy – it is not covered by Medicare, standard health insurance or medical supplement policies.
To discuss your long-term care needs and to learn more about other ASA-offered insurance plans, call 877-473-6031 or complete a contact form today.
Chief Executive Officer
American Seniors Association
Monday – Friday from 8 a.m. to 8 p.m. (ET)
*Rates will vary by gender, age, overall health, plan options and more. Not all plans available in all areas. Coverage is subject to underwriting. Terms and conditions apply.