Long Term Care Insurance

Long-Term Care Overview

Many people mistakenly think their health insurance will pay for long-term care services.

Health insurance only pays for doctors and hospitals. If you develop a chronic illness or become disabled, you’ll need long-term care insurance.

Long-term care service may range from assistance with simple activities, such as bathing and eating, to skilled care provided by nurses and doctors. Whether you’re planning to live at home or in an assisted living facility, there will be a coverage option for you. Buying a policy with flexible options is ideal, as you can’t predict what long-term care or services you’ll need in the future.

Learn about your options by speaking with an Insurance Lounge Concierge in Beaverton, Grants Pass, Lake Oswego, or Medford.

Long Term Care Overview

Long Term Care is good for:

  • In-home care
  • Outpatient services
  • Nursing home care
  • Assisted living care
  • As a supplement to coverage offered by private health plans

Rates are affected by:

  • Pre-existing conditions
  • Age
  • Gender
  • Health
  • Smoker or non-smoker
  • Amount of coverage required

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Carriers We'll Quote

Genworth Financial John Hancock Mutual of Omaha Prudential

Long Term Care Insurance Education

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Education Overview

The price of long-term care insurance varies greatly depending on your age, benefits you choose, and the underwriting company. While you may not want to buy the most expensive plan on the market, history has shown that you should be wary of low-cost plans.

Since rates on long-term care... More

Long Term Care Insurance Information

From Insurance Lounge

Long Term Care Insurance FAQs

6.27.12 – From NPR

Long-Term-Care Insurance: Who Needs It?

5.11.12 – From CBS News

Why long-term care insurance is important

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More About Long Term Care Insurance In Oregon

Things to Consider for Long Term Insurance

It’s important to know your needs and payment capabilities when shopping for long-term care insurance. Your age and health may affect the rate of your policy. Buying insurance when you’re younger is a more cost-effective option. People with pre-existing medical conditions are more likely to get policies at higher rates. Your choice of policy will also depend on your income.

Access to First Rate Care, When You Need It

With long-term care insurance, you can ensure that you’ll have first-rate access to the right kinds of care when you need it. After the age of 65, nearly 70% of Americans will need some type of long-term care. Insurance Lounge provides long-term care insurance throughout Oregon, Washington, California, Nevada, and Arizona.

Get Cutomized Support: Beaverton, Grants Pass, Lake Oswego & Medford

Insurance Lounge offers a comprehensive range of insurance packages online. We’re among the leading providers of long-term care insurance in Oregon. We take pride in offering budget-friendly deals from the most popular and trusted carriers.

We want you to gain the most benefits from long-term care insurance. Our agents don’t work on commission and can be trusted to give you objective advice. Visit our revolutionary retail insurance agency environment in Beaverton, Grants Pass, Lake Oswego, or Medford for a customized experience. We also specialize in: