Nevada Long-Term Care Insurance Planning

Prepare for what’s next with long-term care insurance in Nevada. Our team will help you find the right plan for your current and future healthcare needs. 

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 Long-Term Care Insurance Planning

Nevada Long-Term Care Insurance Coverage – Senior Insurance Agency

Explore long-term insurance coverage options to give you and your family peace of mind.

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What is long-term care insurance?

What is long-term care insurance?

Many people require assistance with daily activities like eating, bathing, and toileting as they age. A long-term care insurance policy covers the cost of assisted care outside of what’s covered by a traditional health insurance policy. 

We help clients find long-term care insurance in Nevada to address the expenses of in-home care, assisted living facilities, or intensive hospice care. These services can be expensive, but taking out a long-term care policy in advance can make the costs more manageable.  

When to Consider Long-Term Care Insurance?

The earlier in life you take out a long-term care insurance policy, the lower your monthly premiums will be. Many experts recommend searching for long-term care insurance in your mid-fifties or early sixties, but it’s never too early (or too late) to get started. 

If possible, consider taking out long-term care insurance in Nevada while you are in good health. If you wait too long to get coverage, you could develop a medical condition that makes it difficult, or impossible to qualify. 

Have questions or concerns? Our team is here to discuss them. 

When to Consider Long-Term Care Insurance?
Types of Long-Term Care Plans in Nevada

Types of Long-Term Care Plans in Nevada

There are two types of long-term care policies available: comprehensive coverage and facility-only coverage. Our local insurance agents will help you decide which is ideal for your needs. 

Comprehensive policies allow you to choose from various long-term care options, including in-home care. These policies tend to come with higher premiums but also offer more flexibility. Facility-only policies only cover specific types of care facilities, including nursing homes and assisted living options.

How We Help You to Find a Right Long-Term Insurance Plan

Looking for long-term care insurance in Nevada? Our team will help you find the policy that’s right for you. We’ll take the time to understand your health history and concerns, then learn more about your budget and finances. 

With this information, we’ll help you find individual long-term care insurance that aligns with your goals. No pressure, just professional guidance and compassion. 

How We Help You to Find a Right Long-Term Insurance Plan
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Rated 5 out of 5 on Google Reviews.

David Weyhenmeyer
I have dealt with Robbie for years and he has consistently had our best insurance coverage interests in mind when guiding us to our policies. I have referred a number of friends and clients to him and he has provided them great service in their medical insurance choices as well.
Cindy Baker
I feel so fortunate to have been referred to this agency and specifically, Aliana Rushing. She was very thorough, and patient with me and explained all the possible options! I would never have been able to figure this all out on my own.
Susan Pittman
Jason has to be the most comfortable person my husband and I have ever sat down and talked to about our future. Sweet man and very knowledgeable in what he does. if we have questions, he always gets back to us in a very reasonable amount of time. We always recommend him to our friends!
Keith Lane
Chanté Padilla was so helpful and patient with my medical insurance needs and whenever I call and need assistance with things she is always available to take care of my needs! Thank you again. Chante has helped us out with our insurance coverage and always giving us the best options.
My wife and I are very happy Seleah, with Senior Insurance Agency. Seleah goes out of her way to make sure we have the right Insurance Company that fits our budget. She is very professional and informed about her job.
Naunie Gardner
I highly recommend this agency. Their services cost you nothing. They have been wonderful and work every year to find me the best plans and prices.
K Geney
Signing up for Medicare is very confusing and I received excellent advice & enrollment help from Robbie. Thank you so much!
Rick Anderson
On the recommendation of a long time Insurance rep we went to Aliana at Senior Insurance when i was ready to enroll with Medicare. My Wife and i were amazed at her skills and the best service you will find! I would highly recommend Aliana and this company.
Lisa Syfers
Chante has provided us exceptional service and assistance in finding health insurance coverage. We have always been covered by a huge group policy from my work, and when I retired early, it was all a mystery to us. Chante helped us understand what we were looking at and helped us find our best coverage. I would definitely recommend Senior Insurance Agency to anyone who wants not only to navigate but also understand, the world of health insurance!
Honey Austen
In all the years that I’ve had insurance in my entire life I have never had the kind of service that I received from Jason and the crew at senior insurance! Jason goes out of his way for each and every client to make sure their needs are met and that they are happy with what plans they receive and the service given. My husband and I could not be happier or more pleased!
Susan Hennessy
Se’Leah is very friendly, helpful and easy to talk to. The company is family centered and welcoming.
Debra Mann
This agency is THE BEST!!!!!!! Any questions, problems, or concerns will be addressed immediately. All our doctors and medication needs were matched to the best coverage choice. THANK YOU SOOOOO VERY MUCH!
Randy Idler
Always the best advice in a timely manner. Couldn’t be happier.
Debby Butler
Love these guys! Their work makes is easy for me to make the annual decision on my healthcare.

Why Choose Us?

At Senior Insurance Agency, we understand the joys that come with aging – as well as the unavoidable challenges and complexities. We work with many long-term care insurance companies to give our clients a variety of policy options. 

Our knowledgeable team is always here to answer your questions and advocate for you during the hunt for insurance and long-term care.

Frequently Asked Questions

The oldest possible age to qualify for long-term care insurance varies by insurer, but it is typically around 75 to 80. Insurers set these age limits because the risk of needing long-term care services increases significantly as individuals age, making it less financially viable for insurance companies to offer coverage to older applicants. 

Some insurers might offer policies to those older than 80, but such instances are rare and often come with higher premiums and stricter underwriting requirements.

No, long-term care premiums do not increase as you age, but are likely to increase for loss ratio claims paid over time.

The cost of premiums is largely based on the age at which you purchase the policy. Younger individuals can lock in lower premiums because they are less likely to need immediate care, whereas older individuals face higher premiums due to the increased risk of requiring long-term care services sooner. 

Furthermore, premiums for existing policies can also rise over time due to inflation and rising healthcare costs, although such increases are typically subject to regulatory approval.

Individuals can be denied long-term care insurance for several reasons, primarily related to their health status. 

Pre-existing conditions, such as severe cognitive impairment, certain chronic diseases, or a history of cancer, can lead to denial. Insurers also consider an applicant’s medical history, lifestyle factors, and current health assessments. High-risk factors, like smoking or a history of serious health issues, increase the likelihood of denial. 

Additionally, if an applicant already requires assistance with daily living activities or has a significant need for care, they may be deemed ineligible.

Long-term care insurance policies typically do not cover services that are considered medical care rather than personal or custodial care. This can include treatments and services provided by doctors and hospitals, such as surgeries, diagnostic tests, and acute medical care. 

Policies also generally exclude coverage for conditions or care needs that were pre-existing at the time of application. Additionally, most policies do not cover care provided by family members or friends, and some may exclude care for mental health conditions other than dementia or Alzheimer’s disease.

Get in Touch with Us Today

Call us direct: (775) 829-9600

    We do not offer every plan in your area. Currently, we represent (See Below) organizations which offer (See Below) products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
    Carson City 7 organizations which offer 34 products in your area - Churchill 5 organizations which offer 21 products in your area - Clark 8 organizations which offer 50 products in your area Nye 7 organizations which offer 43 products in your area - Douglas 6 organizations which offer 27 products in your area - Lyon 6 organizations which offer 24 products in your area - Mineral 1 organizations which offer 4 products in your area - Storey 7 organizations which offer 31 products in your area - Washoe 9 organizations which offer 43 products in your area - NV 7 organizations which offer 20 PDP products in your area