InsureMe: Long Term Care Insurance for You and Your Loved Ones
Who We Are
InsureMe is a free consumer referral service that specializes in helping consumers find the most competitive long term care insurance rates available. Since 1993, we have helped millions of consumers save money on their long term care insurance. InsureMe is not an insurance company or insurance agent and does not provide long term care insurance quotes directly to the consumer.
Free Long Term Care Insurance quotes are provided by the competing insurance professionals who best match your needs.
How It Works
Shopping for free long term care insurance quotes has never been faster or easier. Don't waste hours of your time trying to contact multiple insurance companies, being put on hold, waiting for call backs, setting up appointments and repeating all your information over and over.
At InsureMe we have a network of thousands of long term care insurance providers across the nation. You just fill out our form and InsureMe does the rest. We scan our database for long term care insurance companies in your area that best match your information. When it finds a match, your information is immediately sent to them, they work up their best free quotes and contact you with their rates usually the same day. You'll get back up to
Five Free Long Term Care Insurance Quotes so you can compare and save.
We will send you the list of long term care insurance providers who will be contacting you with their quotes. It's that simple!
The advantages of working through a referral service like InsureMe?
Free insurance quotes provide buyers with information needed to make informed purchasing decisions. Consumers speak with up to five licensed agents about their respective insurance products. These free quotes also provide essential knowledge the consumer requires to determine which policy provides the best coverage at the best price. Finally, the InsureMe process affords consumers an easy shopping experience-they leave our Web site with multiple free Long Term Care Insurance quotes from one simple application.
The Top Ten Reasons Why People Need Long Term Care Insurance
10. The government isn't going to pay for long-term care at home, in a nursing home, or in an assisted living center. Medicare pays 100% of long-term care for 20 days and all but $95.00 per day for the next 80 days--after that nothing. However Medicare only pays for skilled care and most long term care is not skilled care.
9. The national average cost for nursing homes is approximately $105.00 per day. Assisted living ranges anywhere from $50 - $90 per day. If you live on the Eastern Seaboard you can easily spend $50,000 to $80,000 for a year's stay in a nursing home. These costs are perfectly capable of wiping out a lifetime of savings-not to mention the emotional effect long-term care has on a family.
8. A Harvard University study showed that 69% of single people and 34% of married couples would exhaust their assets after 13 weeks in a nursing home. 13 Weeks = 91 days!.
7. At age 65, a woman has a one out of two chance of spending some time in a nursing home. A man has a one out of three chance. In the case of men, mortality catches up with morbidity.
6. Medicaid kicks in only after a person's assets and dignity are gone. In many states the eligibility threshold for single people is $1,500 in assets. After all Medicaid is WELFARE.
5. Children would like to help, but children often have children of their own. They certainly can't quit their jobs to care for their parents.
4. Health rarely improves with age.
3. People can't buy long-term care insurance at crisis time or when they are ready to use it.
2. American's have access to the best health care in the world, if they can pay for it.
1. Most People want to choose where they go instead of having to go where they are taken, and if independence is important to them, they will need to have either a big estate or adequate insurance.
Information quoted directly from:
* A Shopper's Guide to Long-Term Care Insurance , National Association of Insurance Commissioners.
* Long Term Care Companion Consumer Guide, Transamerica Occidental Life.
Don't Rely On Medicaid For Your Long Term Care Needs
Medicaid will pay for nursing facility services and home health care if an individual meets the criteria, however they are not required to provide the full range of long term care services that are available today. In addition, not all facilities accept Medicaid or they may only have a limited number of Medicaid beds available.
Free Long Term Care Insurance Quotes
No matter if you are looking for health, home, car, life or long term care insurance, the insurance quotes that we provide for you are always FREE! This is without a doubt the easiest and fastest way to shop for all your insurance needs.
Your Privacy
At InsureMe, your privacy is vitally important to us. We never condone the use of spam and will never sell or rent your email information to anyone.
