As we age, it's common for us to use more health related services. Additionally, we may also need help carrying out basic self-care tasks.

The difference between facing difficult decisions about who provides a "care giver" role, where we expect to receive medical care and how we will pay for care comes down to planning.

Your planning may include supplemental Medicare coverage.

Your planning may also include Long Term Care insurance, which is not covered under Medicare. 

We can help you select plans that fit both your needs and budget. 

If you'd like a quote, select "Request a Quote" for Long Term Care Insurance.

Long Term Care Insuance

We all know of a friend or family member that has suffered a progressive (or sudden) decline in health due to injury or a long-term illness, a chronic condition or cognitive (Alzheimer’s, dementia) diseases. They need help with things like bathing, dressing, mobility, incontinence and eating. While the family may want to help, they may not be physically able to provide care, or their schedules and distance make it difficult to devote proper time to their loved ones needs.

Long term care insurance can help if you have a prolonged injury, illness, disability or cognitive impairment (such as Alzheimer’s disease) which keeps you from living independently and prevents you from carrying out basic self-care tasks such as bathing, dressing, mobility, incontinence, or eating. These self care tasks are referred to as Activities of Daily Living (ADL's). To help with these tasks (ADL's), home health aides can come to your home but these costs may be limited (or not covered at all) by health insurance and Medicare. These expenses can quickly deplete your nest egg, no matter how much you have saved. This is where Long Term Care insurance can help.

Long Term Care insurance (LTC) can help pay the cost of care you receive at home (from nurses’ aides, home health aides, therapists, etc.), in assisted living facilities as well as in a nursing home.

While long term care is often associated with the senior population, many claims also come from younger individuals who develop chronic conditions or are returning from an extended hospital stay or rehabilitation facility. These individuals may also need services covered by long term care insurance.

Long term Care Insurance helps you maintain your dignity and financial freedom. It gives you the flexibility to participate in making choices that impact your care such as what services you receive, where you receive them and who provides the care you need. 

Long term care insurance plans are currently offered as:

• Traditional long term care insurance policies that provide benefits for home care, adult day care and facility care with COLA's for increasing daily/monthly benefits to keep pace with inflation. 
• Hybrid long term care insurance plans allow access to life insurance policy benefits to pay expenses associated with long term care, as well as providing a life insurance death benefit and "paid up" premium options.

​Senior Insurance Plans to Supplement Medicare

Most (but not all) individuals are eligible to enroll on Medicare at age 65. If you have completed 40 quarters of participation for Social Security benefits (paid payroll taxes for 10+ years) there is no premium for Medicare Part A. Medicare Part B (and prescription drug plan) premiums are income tested as well. You are not required to sign up for Medicare if you are currently insured on a qualifying employer sponsored group health insurance plan as the employee or dependent spouse. Once your coverage ends, you must enroll onto Medicare within 60 days of your loss of coverage. If you are unsure if your health plan meets the guidelines as a qualifying health plan; please contact our office for details.

Supplemental Medicare plans vary in availabilty based on your state of residence. We work with private health plans offering senior health care plans in MA & NH to provide added coverage to fill in the gaps in Medicare coverage or for sevices not covered by Medicare. 

Medicare Medigap Plans:

• To purchase these plans you must be enrolled in Medicare Parts A & B.
• Allow you to access any contracted Medicare provider. 
• Supplement original Medicare by paying for costs like deductibles and co-insurance.
• Some plans also provide coverage if you travel outside the U.S.
• Policies cover only 1 person. Couples wanting coverage must purchase separate policies.
• Many plans DO NOT cover expenses related to long term care, vision, dental, hearing aides eye glasses, private duty nursing or prescription drugs.
• You can enroll when you are initially eligible to enroll, during the Annual Enrollment Period, and if you have a special enrollment period.

Medicare Part D Prescription Plans:

• Separate coverage for individuals enrolled on Original Medicare or enrolled on a Medigap Supplemental plan.
• You need to enroll in Medicare Part A or Part B to purchase a Part D plan. 
• After your Initial Enrollment Period, you can also enroll for Creditable Prescription Drug coverage during Annual Open Enrollment or when special enrollment periods apply.
• If you have not had prior Creditable Prescription Drug you'll have to pay a late enrollment penalty which results in higher monthly premiums. 
• Part D plans are available with a variety of premiums, deductibles and copays to fit your needs.

Medicare Advantage (C) Plans:

• You must be enrolled in Medicare Parts A & B.
• Plans are offered through contracted providers.
• Many plans provide added services including Prescription Drugs, vision, dental and hearing aides.
• Services may be covered in full or with copays.
• Plans are offered as HMO's or POS/PPO's which include deductibles and/or coinsurance especially if there is coverage for out of network providers.
• Availability of plans may be limited within selected areas (ex. counties within States). 
• If you are enrolled in an Advantage HMO and do not use HMO providers, there is no coverage other than emergency services or out of area dialysis.
• You MAY NOT be enrolled on both a Part D and Medicare Advantage plan with prescription coverage.
• After your Initial Enrollment Period, you can also enroll for coverage during Annual Open Enrollment or when special enrollment periods apply.

We offer Medicare Supplement Plans through: