FREE Quotes Get Your Quote Today
 
Name: 
  
 
Email: 
  
 
Phone: 
  
 
Zip: 
  
 
Age: 
   

Long Term Care Health Insurance

Get a free Quote on a Long Term Care Policy

At Bestlongtermcarequote.com, we believe we are an excellent company, and we continuously strive to deliver great service and excellent products.

Best long Term Care Health Insurance Plans

  » Our policies can never be canceled or non renewed as long as premiums are paid on time.

Back
to Top

Get Free Quotes Now

Long Term Care Insurance Price (premium) variations

Price (premium) Variations for Long Term Care Insurance Coverage

Most folks want to know right away, "What is the price?" And no one can answer, because for every single person there can be over 3,000 different price (premium) levels, depending on how much and what kind of long term care insurance coverage you want. The long term care agent is paid to help you make the best coverage decisions for your individual situation. Find an insurance agent that you're comfortable with, and use that insurance agent to help you decide. Below you'll see the wide range of generalized long term care insurance price (premium) variations for a hypothetical person at several different ages. At the bottom of the page are some of the decisions that go into these types of long term care insurance price (premium) calulations.

Entry Age
Minimal Coverage*
Generous Coverage **
40
$55 / year
$1,300 / year
45
$75 / year
$1,400 / year
50
$80 / year
$1,500 / year
55
$105 / year
$1,700 / year
60
$150 / year
$2600 / year
65
$220 / year
$3,400 / year
70
$355 / year
$5,000 / year
80
$605 / year
$7,900 / year
85
$1,065 / year
$11,900 / year


* Minimal Coverage = Facility Only / $50 per day Maximum Daily Benefit / 2 year Benefit Period / 90 day elimination period / no 5% Inflation Adjustment

** Generous Coverage = Includes Integrated Home Care @ 100% / $140 per day Maximum Daily Benefit / Lifetime Unlimited Benefit Period / 90 day Elimination Period / 5% Inflation Adjustment

These long term care insurance prices are hypothetical, generalized, and do not reflect any one particular long term care insurance company.

Definitions:

Options for the Setting of Care

Facility Only - Covers you for care received in a licensed Assisted Living or Skilled Nursing Facility, but not for care recieved in a non-licensed setting such as your home.

Integrated Home Care @ 100% - Covers you for care received in a licensed Assisted Living or Skilled Nursing Facility. In addition, this long term care insurance plan covers you for care recieved in a non-licensed setting such as your home

Benefit Payment Options

Maximum Daily Benefit - $50 to $200 - How much you want the long term care insurance company to pay out per day.

Benefit Period - 2, 3, 4, 5 or unlimited years - How long you want the long term care insurance company to pay out for your care.

Elimination Period - 0, 30 or 90 days - How soon you want the payments to begin once you are eligible, indicated by the number of days you are willing to pay for care out of your own pocket. Longer elimination period means a lower long term care insurance price (premium) to you.

5% Inflation Adjustment - Yes or no - Refers not to the long term care insurance price (premium) you pay, but to your Maximum Daily Benefit. Increases the dollar value of your benefit 5% each policy year to keep pace with rising care costs.

 
loading Did you know...?