Long Term Care or Nursing Home Insurance has become a big issue in the last 10 years.

What is the actual risk of needing long-term care? The risk is greater than 50% for both Home Health and Nursing Home care.

What about Medicare, Medicaid, and private health insurance?

Both Private Health Insurance and Medicare pay only SKILLED care, and most Long Term Care is NOT Skilled care. Medicaid is the welfare system.

The companies we represent:

• Allianz Insurance Company

• Kanawha Insurance

• State Life Insurance

*Keep in mind there are many plans that give discounts when a couple have both their policies with the same company.