Long-Term Care Insurance: Can You Afford Not To Have It?

We all know that growing old isn’t easy. It requires finesse and most importantly- planning. This means planning for the best as well as the worst of times. Long-term care insurance can give you peace of mind as you move ahead.

Whenever you buy insurance, it’s easy to fall into the thought that you’re completely covered for whatever may happen, but far too often, that’s just not the case. For more than a decade now, we’ve been helping people look at their insurance choices, and we hate it when we see people fall into the coverage gaps.

Long-Term Insurance & Coverage Gaps

It’s just a fact that all insurance isn’t created equally. Far too often, there are gaps in what is covered by your insurance or Medicare. That’s where long-term insurance can help. This insurance product can help protect you and your family from facing heavy financial burdens related to such things as:

* Home health-care
* Assisted living expenses
* Memory care
* Adult day care
* Respite care
* Hospice care

Call The Health Insurance Doctor to make a free house call so you can learn more about this type of insurance and ways your family can be protected.

Who Needs Long-Term Insurance?

It’s a fact that people are living longer. While that’s wonderful, it also requires more planning financially. There is a common misperception that only “old” people need long-term insurance. Nothing can be farther from the truth. Anyone can become ill or hurt for extended periods of time. However, it’s a reality that roughly 70% of people over 65 will receive long-term care at some point in their life. The question is- will you be financially prepared?

You’ve worked hard all your life to build what you have, and it’s just a fact that medical care is the number one reason people declare bankruptcy in this country.

Taking time now to review your options is a smart way to protect yourself from hardship later on. It’s an investment of time that can pay off richly later on.

Long-Term Care Insurance Is A Smart Decision

It’s unfortunate, but most people don’t fully understand or appreciate their insurance coverage until it’s time to use it. This is commonly the time when the coverage gaps become apparent. It’s also the time when it’s too late to do anything about it. Now is the time to ensure and protect your assets while you can still get coverage. That’s where an independent insurance agent can help you the most.

An independent insurance agent isn’t locked into policies or coverage from one company. The Health Insurance Doctor can shop around and find the right coverage and pricing for your situation and budget. Other insurance agents work for their company while we work on your behalf.

We take a consultative approach to help our customers review the insurance they already have along with any obvious coverage gaps. We’ll help you understand how to decrease your liabilities and improve your coverage as well as find ways to save money.

Our consultation is completely free whereas some insurance agents actually charge you a fee for their consultation. That’s simply not how we want to do business.

We work with clients all around metro Atlanta, but specifically around Sandy Springs, Roswell, Alpharetta, Johns Creek, Suwanee, Dacula, Buckhead, and other parts of Atlanta. We’re proud that we’ve served the Atlanta market since 2008.

Call the Health Insurance Doctor today for your consultation. Let’s work together to find ways to improve your coverage and lower your costs.

Confused By Your Insurance?

These days, far too many people are discovering what their coverage includes when it's too late. Don't wait to discover where your insurance gaps are. Let us help you become more knowledgeable about the insurance that you have and the coverage that you need. 

Why Us?

As an independent insurance broker, we’re not stuck selling insurance products from one company at one price. We have the ability to shop around to find the right policy, the right price with the right coverage for you.

A Decade of Trusted Care

For more than 10 years now, we've helped people just like you wade through the confusion to make informed decisions about your insurance coverage. Let us help you. 

Our Mission

Our mission is to help you find insurance coverage you can afford to use.

Insurance used to be simple. You pay your premiums, use your coverage when needed, and had reasonable deductibles.  Today, the insurance market seems like a jumbled mess to the consumer. Find out what you're paying for. Call us today.

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