Long Term Care Insurance
Long Term Care Insurance is the greatest living asset protector of all senior insurance plans. With potentially a million dollars or more of long term care expense at stake, long term care insurance is the only insurance plan that can address this potential catastrophic event.
The best long term care plans today are the ones with a "bucket of money" feature where every dollar in the bucket is available for use. If all the monthly benefit is not used up within the month, then the amount left over carries forward to the next month, actually making the total benefit period last longer. The other type of long term care insurance plan is known as an indemnity plan in which all the benefit provided must be used up each month or it is lost.
After 20 years of many companies entering the long term care market, the market place has changed and only the larger companies have survived. The long term care market is a very expensive market to be in and only the best and strongest insurance companies such as Met Life, Genworth, Prudential, John Hancock, and Physicians Mutual are in a position to withstand the tremendous claims avalanche coming for the baby boomers and beyond. We offer each of these fine companies and we believe that each one of them offers unique advantages for the specific needs of each insured.
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info@bcbstexas.com / (800) 583-5865