Long-Term Care Insurance Alternative
Home Care Service Plans Available in Hour Bundles Suited to Your Individual Needs with Plans Available From 1500 Hours to 10,000 Hours Starting at as Little as $95.00 Per Month. Like many individuals in there elder years traditional Long-Term Care Insurance (LTCi) is either unaffordable or unavailable because of a pre-existing condition(s), and yet others who did plan ahead by purchasing the valuable coverage had premium increases over the years forcing them to discontinue their policies due to the ever increasing costs associated with them. Moreover, there is an ever shrinking pool of available insurance companies who even still underwrite LTCi making it increasingly difficult to obtain.
Avoid or delay having to put your family member into a costly and confining Nursing Home or leverage the contracted hours while residing in independent or assisted senior living communities to further conserve assets.
The department of health and human services estimates that approximately 70% of seniors will need extended or home care in their life. This amounts to nearly 75% of us.
Existing health plans for those 65 plus; mainly consisting of Medicare coupled with Medigap or Medicare Supplemental Insurance, or a Medicare Advantage Plan only cover doctor’s bills and hospital stays.
Traditional Long-Term Care Insurance (LTCi) can cover the cost of care services. However, most people must purchase this coverage between the ages of 45 and 64. Insurers also require applicants to be in good health. If you do not meet these underwriting requirements, True Freedom Premier may be a suitable alternative. True Freedom Premier plans provide a flexible option instead of traditional long-term care insurance. When care becomes necessary, the membership plan quickly connects you with a licensed home healthcare provider. In some cases, a trusted friend or neighbor can also serve as a caregiver. These services allow seniors to receive care in the comfort and privacy of their own homes. A True Freedom Premier membership gives families peace of mind. They know support will be available if an illness or injury occurs. Care may be needed for long-term conditions such as dementia, or for short-term recovery after hip or knee replacement surgery. The program is flexible and easy to use. Members do not face health triggers, complicated claim forms, or extensive paperwork. Getting help is simple. You only need to make a single phone call to report that care is needed at home.
Other Unique Features Available:
A 5% Discount is available for individuals selecting an annual membership payment.
A 10% Discount is available on each membership for Husband & Wife / Domestic Partners when enrolling at the same time.
A 15% Discount is available on each membership for Husband & Wife / Domestic Partners when enrolling at the same time and selecting an annual membership payment.
A 10% Decrease in Premium Regardless of Premium Payment Mode Per Year Through the Four Years If NO Claim is Made.
