Long-Term Care

Long-term care includes medical and non-medical care to people who have a chronic illness or disability. Generally, Medicare does not pay for most long-term care. Medicare pays only for medically necessary skilled nursing facility or home health care and you must meet certain conditions to be eligible for this type of care. Medicare does not pay for "custodial care" in a Nursing Home. Custodial care is usually when you require assistance with Activities of Daily Living (ADL’s). ADL’s include assistance with bathing, dressing, feeding, toileting and mobility.

What level of care will be needed? What are your preferences? What can you afford? What options are available in the local community? These questions are what we, at Castell Insurance, can help you answer.

Our Policies offer a multitude of benefits including

• No prior hospital stay required.
   
• Care is covered in all settings, home, assisted living
  and nursing homes.
  
  
• Discounts for good health and married couples.
  
  
• Optional inflation protection.
  
  
• Waiver of premiums.
  
  
• Shared spouse benefits.
  
  
• How To Finance Long Term Care - Click here

Premiums are based for life on your age and health at the time of enrollment.

We also have brochures, price guides and other material, yours for the asking.

Give us a call, Click here or come by the office for a no obligation quote. We are here to serve you!!