Long-term care insurance is crucial if you want your finances and have confidence that you’ll get the healthcare you need down the road. At Colling Insurance Services Inc., we provide long-term care insurance in Lakewood, CO.
Being accurately informed about long-term care insurance is important. Unfortunately, misconceptions about this type of coverage are common.
Consumers only very rarely end up needing long-term care insurance
Assuming that you’ll never need long-term care is a bad idea. Even if you are very healthy, you could experience an accident or an unexpected illness that leaves you in need of costly long-term care.
My Medicare plan will cover long-term care.
Your Medicare plan may cover long-term care in certain situations. However, you cannot always rely on Medicare to cover long-term care costs. How much Medicare coverage you receive for long-term care costs depends on what type of injury/illness you experienced and what Medicare plan and supplements you have.
Purchasing a separate long-term care insurance policy gives you more confidence that any long-term care costs you face will be covered.
Only the elderly need long-term care insurance.
Long-term care is associated with the elderly. However, even young, healthy individuals can benefit from having long-term care insurance. Individuals at any age could experience a severe injury that leaves them handicapped and needing long-term care.
If you want to learn more about long-term care insurance, we’re here for you. Consumers in Lakewood, CO can get a long-term care insurance policy quote from us at Colling Insurance Services Inc.