Long Term Care

Experienced Professionals Provide Long Term Care Insurance in St. Louis, Missouri

Giving you the information you need to make smart choices for your family

Long-term medical care adds up. Whether getting help at home or in a nursing facility, costs can be daunting or even devastating to your budget. Each year an estimated 11 million American adults require long term care. To prevent a huge financial burden for your loved ones, consider investing in long term care insurance.

The experienced team at Senior Health Solutions, LLC can advise you of the various options and costs, so you can pick the most suitable plan. Having long term insurance helps prevent a financial burden from falling upon your children, grandchildren or other family members should you need expensive daily care.

A look at long term care from top-rated insurance companies

Long term insurance covers general care. While medical insurance focuses on certain expenses such as visits to a physician, and drug insurance covers medicine, long term care covers the costs of associated with daily attention, whether this be in the form of a daily or weekly home health care visit or living at an assisted-living facility (or something in-between). Having long term insurance coverage provides a financial buffer for expenses that can quickly add up to tens of thousands – even hundreds of thousands – of dollars per year. In-home help costs start at $21 per hour , semi-private rooms in a nursing home can start at more than $6000 per month. At such rates, it is easy to understand why health-related bills are the largest cause of personal bankruptcy.
Long term care insurance covers costs associated with daily help for adults with:

Alzheimer’s and dementia - Disabilities - Chronic illnesses - Limited mobility due to age or injury

  • Long-term care insurance in Missouri, Illinois and Arkansas is affordable

    In general, it is less expensive if you purchase long-term care insurance before you turn 60, but there are options available for seniors. Although premiums may surprise you, the benefits highly outweigh the costs. Most health insurance policies that include skilled nursing may not kick in until an initial period of time has passed. These costs then fall on you or your loved ones.

  • First Diagnosis Cancer Coverage

    The IRS does not tax long term insurance payments. This means you will not be penalized by the government.

    Having long term insurance may also keep you from having to liquidate assets in order to cover your expenses. One of our associates will cover the financial benefits of long-term care insurance at your initial visit.

What do long term care insurance plans cover?

Even if you are a healthy and mobile senior, if you fall, you may suddenly need help a caregiver. Long-term insurance prepares you for a variety of costs, including:

  • Custodial care (dressing, bathing, moving about, eating, etc.)
  • Physical or occupational therapy
  • Visiting nurses
  • Skilled nursing units
  • Assisted living
  • Mental health care
  • Deductibles for your primary health care
  • Temporary in-home care, should your primary care giver need help or “time off”

Contact Us

Call our Main office for information about long term care insurance and how it can benefit you
Planning ahead for long-term care protects your family
From tremendous financial burdens. It also provides you with the reassurance that you have the means to afford professional care. We provide clients of all ages with information and options regarding long term care insurance, hospital indemnity and an array of options for seniors.
Our Partners

Important Information
How to enroll into Medicare
We can help you find a Medicare plan in your area to fit your needs. Once you decide on a plan we can walk you through the Medicare enrollment process.
How much is the cost?
These are the basic costs for people with Medicare. If you want specific cost information (like whether you've met your deductible, how much you'll pay for an item or service you got, or the status of a claim)
Do my doctors accept these plans?
Use this helpful link on the Medicare and Medicaid Services (CMS) website to find and choose Physicians and Other Healthcare Professionals enrolled in the Medicare program, as required by the Affordable Care Act (ACA) of 2010.
What to do if you don't want a part D
If you want to drop your Medicare Prescription Drug Plan (Part D) and you don't want to join a new plan, you can do so during the Open Enrollment Period, between October 15–December 7 each year. The change goes into effect January 1 of the following year.
Keeping your work benefits
Employer or union health coverage refers to health coverage from your, your spouse's, or other family member's current or former employer or union.
Medicare - Advantage Plans
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
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