Long Term Care
Custodial Care is NOT covered by Medicare
Schedule by Phone
Schedule Online
Long Term Care (LTC)
Custodial Care
Medicare doesn’t cover long-term care (also called custodial care). Most nursing home care is custodial care, which is care that helps you with daily living activities (like bathing, dressing, and using the bathroom).
Your costs in Original Medicare
You pay 100% for non-covered services, including most long-term care.
Medicare’s role in Long-term Care (LTC)
· Nursing Home care has limited benefits in coverage by Medicare
· Unfortunately, over 50% of older Americans believe Medicare will pay for their Long-term care.
· Planning for these costs should start in your 50s and early 60s.
· Becoming a financial burden to someone else is something no one wants.
· CREATIVITY in planning for LTC is a strength of our agency.
What is Long Term Care (LTC)?
Long-term care is a range of services and support for your personal care needs. Most long-term care isn't medical care. Instead, most long-term care helps with basic personal tasks of everyday life, sometimes called "activities of daily living."
What We Offer
At Healthwise Rapid City
- Life Insurance
- Annuities
- Final Expense
- Term Life Insurance
Life Insurance
Permanent Life insurance has a place in our financial plans. Even as we age, it’s value continues to be important. For instance, replacement of a social security income that is lost at death. Living benefits are there, also! Pre-payment of death benefits for long-term care expense is a great example. Many are using the life insurance contract as a ‘vehicle’ to plan for tax-free income in retirement.
Our Approach
For everyday care or life-changing care, you can count on us and loved.
Providers
You can count on us to keep you and your loved ones safe and healthy.
Annuities
Tax advantaged positioning of money that is considered “safe” is the strength of annuities. Rates of return that are solid, reflecting the safety are of great value in today’s financial world. The tax-advantaged position is indeed a cornerstone of financial plans.
Our Team
Override the digital divide with additional clickthroughs.
Doctors
Nanotechnology immersion along the information highway will close.
Final Expense
A sure way to take the burden of worrying about the expenses to be incurred upon death is a great relief to many people. There are plans available which do not prevent health conditions from getting this important peace of mind.
Our Location
For everyday care or life-changing care, you can count on us and loved.
Dr CV
Quickly maximize timely deliverables for real-time schemas.
Term Life Insurance
Just get it!!! Yes, it is coverage for only a stated number of years, but it is inexpensive and gets your loved ones protected quickly.
Our Approach
For everyday care or life-changing care, you can count on us and loved.
Providers
You can count on us to keep you and your loved ones safe and healthy.
Helping you navigate the roughs, bunkers and penalty areas of Medicare and stay in the fairways.
Services
Pricing & Fees
Required Disclosure: We do not offer every plan in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
CURRENTLY, I represent 9 ORGANIZATIONS which offer 48 products in this area. You can always contact Medicare.gov, 1-800-MEDICARE, or the local State Health Insurance Program (SHIP) for help with plan choices.