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 LTCi can cover the cost of these services, but this coverage is usually obtained between the ages of 45 and 64 and only by those in good health. If you don't meet the underwriting criteria True Freedom Premier is potentially your only option? True Freedom Premier Plans offer an alternative to traditional long term care insurance. When care is needed, the membership plan quickly coordinates with the necessary licensed Home Healthcare organization or trusted friend or neighbor who’s available to become a caregiver, and make arrangements for the senior in the comfort and privacy of their home. Having a True Freedom Premier Plan membership allows for members and families to have peace of mind, knowing their needs will be taken care of in the event of an illness or injury regardless if its dementia requiring lengthy hours or just a short duration for a hip or knee replacement where care needs might only last a few weeks. Whatever you or a loved one’s care needs are True Freedom is flexible and easy to implement since there are no health triggers, no claims forms and no paperwork. The process is as simple as a telephone call reporting that a need exists for someone in the 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.