Long Term Care Insurance
The reality is simple — most long-term care isn’t covered by Medicare.
Expenses for in-home assistance, assisted living, or nursing homes can reach $10,000 or more per month, leaving many families struggling to pay out-of-pocket.
At OneHealthOne, we guide you through the best long-term care options to help protect your savings and ensure you can age with confidence, dignity, and control.
What Long Term Care Plans Cover
Most long-term care policies provide coverage for:
- In-home care services (nurses, aides, and meal delivery)
- Adult day care programs
- Assisted living facility costs
- Skilled nursing or rehabilitation care
- Hospice and memory care support
Plans may also include valuable benefits like:
- Daily or monthly cash benefit options
- Care coordination services
- Inflation protection and benefit period customization
How OneHealthOne Helps You
We make planning for long-term care simple and stress-free.
Our licensed professionals help you understand, compare, and secure the right plan with a personal touch.
1
Assess Your Care Needs
2
Compare Top Carriers
3
Customize Your Coverage
4
Understand Hybrid Options
5
Lock In Early Rates
6
Ongoing Assistance
Why You May Need It
- Medicare does NOT cover long-term custodial care
- Family caregivers may not be available or trained
- Nursing home costs in NY/NJ can exceed $10,000 per month
- Protects your assets, independence, and care choices
Key Benefits
- Affordable daily or monthly benefit plans
- Flexible coverage for home or facility care
- Tax-qualified plans available
- Option to add inflation protection and shared benefits
- Peace of mind for you and your loved ones
With OneHealthOne, you can prepare for tomorrow’s needs today — ensuring care, comfort, and financial stability for the future.
Our Licensed Network and Service Areas
These professionals understand local laws, carrier options, and plan variations — ensuring you get accurate information that fits your unique financial goals.
Common Questions About Long Term Care Insurance
No. Medicare only covers short-term skilled care, not long-term custodial or daily living assistance.
Most experts recommend enrolling between ages 50 and 65 for the best rates and plan options.
Yes. Hybrid policies combine life insurance and long-term care benefits, providing flexible protection.
Absolutely. Many plans let you choose between home-based care, assisted living, or facility care based on your preference.
Speak with a Licensed Agent
Let OneHealthOne help you plan ahead with Long Term Care Insurance that safeguards your independence, your assets, and your peace of mind.
A long life should be a blessing, not a burden. Schedule a no-cost, no-obligation consultation today to get started. Find a Licensed Agent →