Home 512-237-3550
Medicare Products, Long Term Care, Final Expense, Life, Dental & Annuities

Request a Free Confidential Insurance Quote
A sales agent may call, mail, or e-mail as a result of completing this information to discuss
Medicare Advantage, Prescription Drug Plans, Medicare Supplement Insurance, or other insurance plans.
What is long-term care?

Long-Term Care services are those services designed to assist someone who has lost some or all of the ability to care for himself or herself due to an illness, an accident or simply the frailty of aging.

Long-term care includes a wide range of services which help people maintain the normal activities of daily living; activities like bathing, continence, dressing, eating, toileting and transferring (like moving from a bed to a chair or from a chair to standing, etc.). Long-term care services can be provided in your home, in and through community resources or in a formal setting such as a nursing home or assisted living facility.

LTC Insurance

Long-Term Care Insurance provides funds to help you cover long-term care costs in the same manner Health Insurance provides financial coverage for doctor's visits and hospital bills.


LTC Services

To understand how long-term care services are provided, it is first important to understand the overall concept of Long-Term Care.


Home Health Care

Simply put, Home Health Care is exactly what the name implies - long-term care services provided in your home.


Community Care

Community Care goes hand in hand with Home Health Care. Whereas Home Health Care is designed to be provided in the home, Community Care is provided in community resources...



When care at home or in the community is no longer an option, Assisted Living Facilities and Nursing Facilities may be considered.
  • Assisted Living Facilities provide apartment or condominium-like settings and 24-hour assistance for those who can, for the most part, live on their own but who also need assistance with personal and custodial needs. Assisted Living Facilities are fast becoming the top choice for long-term care because they provide a combination of independent living and ready care services. In essence, they allow people to remain as independent as their infirmities or illnesses will permit.
  • Nursing Facilities provide daily, 24-hour skilled, intermediate and custodial care. Nursing Facilities provide the highest level of long-term care that you can receive. The level of care one needs at this point is greater than what can be provided at home, in the community or in an Assisted Living Facility.