Looking for affordable Long Term Care Insurance Rates? We can help.

LowerNewYorkRates.com will help you find cheap long term care insurance policy rates. Fill in your zipcode on the graphic below and hit the go button to get your free quotes.

Typically, LTC (Long Term Care) expenses are not adequately covered by a traditional medical insurance plan. There are also limitations on coverage under Medicare and Medicaid. Most people who require care in their home need more or different types of care than what is covered under either traditional medical insurance, Medicare or Medicaid. This gap in coverage is what long term care insurance is intended to satisify.

Long-term care provides assistance or supervision if you need help with basic Activities of Daily Living (ADLs) such as bathing, dressing or moving around your home. Long term Care insurance typcially covers degenerative conditions such as a stroke and cognitive impairments such as Alzheimer's Disease. Long Term Care Insurance has been available for many years. In their early years, LTC policies were basically a suppliment to Medicare. Today, policies have evolved to cover assistance whether it is within your home, a nursing home or an assisted living facility.

The costs for home, nursing home and assisted living health care have skyrocketed in the past few years. Unfortunately, over 75% of Americans believe they do not require long term care insurance. The facts indicate otherwise. A recent study by the U.S. Department of Health highlighted that people who reach 65 face more than a 40% risk of needing to enter a nursing home. Think about the implications of that statistic. Your risk at age 65 of needing long-term care - which could cost over $200,000 - is nearly 50%. If your eating and exercise habits are poor, the likelihood is even higher. Long Term Care should be on your mind - especially if you are a baby boomer. It will protect you and your loved ones, if extended health care is needed in your lifetime.

By planning today and having adequate long term care coverage, you are more likely to be able to live in the setting of your choice and assure your financial security. LowerNewYorkRates.com will connect you with experts that can discuss your long term care options and the best pricing for their policies.

Our customers come from New York City, Buffalo, Rochester, Yonkers, Syracusee, Albany, NY and other great cities in the empire state to find cheap long term care insurance from top rated insurance companies. Our New York insurance agent and broker referral network can help you compare rates from the comfort of your home.