Michigan long term care insurance - Long term care insurance MI - LTC - Long Term Care Companies Michigan - MI Long Term Care - Michigan long term care quotes - Long term care quotes MI - Long term care insurance in Michigan - Long term care health insurance Michigan - Long term care Plans Michigan - Michigan Medicare Supplements - Long-term care insurance MI - Michigan long term care insurance rate - LTC in Michigan
Americhoice Agency, Inc.  
1 2

Select Your State


Long Term Care Insurance

Long Term Care, Long Term Care Insurance, LTC, Cheap Long Term Care Insurance, Affordable Long Term Care Insurance

 Welcome Michigan Residents and Seniors

Get A Quote!
   Long-Term Care Insurance
   Annuities

... Or call 1.800.889.2659 for a quote!

 

Learning About Annuities

Life Secure, Long Term Care Information & Application (or see below)

Metlife Assisted Living Survey

Metlife Market Survey

Metlife Nursing Home Survey

Indexed Annuities, A Perfect Investment During Recession

Healthcare Market Resources Analyzes the Impact of Medical Review Mandate on Hospices

New Report Examines What Consumers Really Pay For Long-Term Care Insurance

New Long Term Care Study Finds Baby Boomers Highly Value This Insurance but Many Have Not Purchased the Protection for Themselves - Yet

 

Michigan Residents and Seniors Only

There are many Michigan Seniors who have limited incomes and living needs that exceed their income. We can help Seniors  by providing Long Term Care insurance, Medicare Supplements, Prescription programs and discount plans.  If you are looking for long term care health insurance in Michigan or long term care insurance quotes, please fill out the quote request form and a local agent will contact you.

 
QUOTE REQUEST FORM

Long Term Care Insurance for Michigan

At one time Michigan Long Term Care (LTC) was considered insurance for Nursing home care.  It no longer is for Nursing home care only.  It is now considered a must for everyone as they grow older.  Not only will it cover expenses for skilled care in a Michigan licensed LTC facility, it also will cover temporary stays, at home skilled care and payment to at home providers.
The definition of Michigan Long Term Care Insurance may be considered this; “Long Term Care Insurance is a contract designed to pay for care that is necessary because of ones loss of ability either mentally, or physically or due to an accident or illness, or through the natural progression of growing old and frail that prevents one from functioning independently.”

More than anything Michigan Long Term Care Insurance will protect the assets of the person needing it, the assets of their spouse and more importantly will ensure the care needed to make one’s later years comfortable.

The most critical aspects of a Michigan LTC Insurance policy are;

  • Choosing the benefit period. How many years will the policy pay benefits.
  • When will the benefit payments start? The waiting period from the time care is needed to when payments start.
  • What are the benefit amounts? How much is paid for the various needs and what are the maximums?
  • Does the policy cover facility care, home care and community care?
  • Does the policy meet federal guidelines for favorable tax treatment?

Choosing benefit amounts for a Michigan long term care insurance policy is very important. You should check with facilities in your area and find out what the daily cost is. You can then choose the benefit level to fit the cost in your area.

With all Michigan Long Term Care insurance policies you should make sure there are provisions for inflation. If you purchase a policy with daily benefits of $150 to meet today’s cost, will it be enough if you require care 15 years from now?  Make sure there is inflation protection in your policy.

You should also make sure the Michigan LTC insurance policy is Non-cancelable and renewable.  If you begin to use a policy because of a serious illness or injury, can it be renewed when you are able to function independently?  Will the policy renew each year with the same benefits?  If the company changes its plans you should be able to maintain the benefits you signed up for as long as you change the premiums.

Another important factor with Michigan Long Term Care Insurance Companies is the history of rate increases for their LTC policies.  Ask for their history of rate increases and the length of time they have been in the LTC business. You do not want to sign with a company that regularly has large premium increases.  You should check the complaint ratio for the Michigan LTC insurance policies for each company you are considering. Your can do this by going to the NAIC website.  If you would like an instruction sheet to help you check the complaint ratio it is available by clicking here.

Health Insurance

 Alabama  Alaska  Arizona  Arkansas  California  Colorado
 Connecticut  Delaware  DC  Florida  Georgia  Hawaii
 Idaho  Illinois  Indiana  Iowa  Kansas  Kentucky
 Louisiana  Maine  Maryland  Massachusetts  Michigan  Minnesota
 Mississippi  Missouri  Montana  Nebraska  Nevada  New Hampshire
 New Jersey  New Mexico  New York  North Carolina  North Dakota  Ohio
 Oklahoma  Oregon  Pennsylvania  Rhode Island  South Carolina  South Dakota
 Tennessee  Texas  Utah  Vermont  Virginia  Washington
 West Virginia  Wisconsin  Wyoming    

Homeowners Insurance

 Alabama  Alaska  Arizona  Arkansas  California  Colorado
 Connecticut  Delaware  DC  Florida  Georgia  Hawaii
 Idaho  Illinois  Indiana  Iowa  Kansas  Kentucky
 Louisiana  Maine  Maryland  Massachusetts  Michigan  Minnesota
 Mississippi  Missouri  Montana  Nebraska  Nevada  New Hampshire
 New Jersey  New Mexico  New York  North Carolina  North Dakota  Ohio
 Oklahoma  Oregon  Pennsylvania  Rhode Island  South Carolina  South Dakota
 Tennessee  Texas  Utah  Vermont  Virginia  Washington
 West Virginia  Wisconsin  Wyoming    

Life Insurance

 Alabama  Alaska  Arizona  Arkansas  California  Colorado
 Connecticut  Delaware  DC  Florida  Georgia  Hawaii
 Idaho  Illinois  Indiana  Iowa  Kansas  Kentucky
 Louisiana  Maine  Maryland  Massachusetts  Michigan  Minnesota
 Mississippi  Missouri  Montana  Nebraska  Nevada  New Hampshire
 New Jersey  New Mexico  New York  North Carolina  North Dakota  Ohio
 Oklahoma  Oregon  Pennsylvania  Rhode Island  South Carolina  South Dakota
 Tennessee  Texas  Utah  Vermont  Virginia  Washington
 West Virginia  Wisconsin  Wyoming    

Auto Insurance

 Alabama  Alaska  Arizona  Arkansas  California  Colorado
 Connecticut  Delaware  DC  Florida  Georgia  Hawaii
 Idaho  Illinois  Indiana  Iowa  Kansas  Kentucky
 Louisiana  Maine  Maryland  Massachusetts  Michigan  Minnesota
 Mississippi  Missouri  Montana  Nebraska  Nevada  New Hampshire
 New Jersey  New Mexico  New York  North Carolina  North Dakota  Ohio
 Oklahoma  Oregon  Pennsylvania  Rhode Island  South Carolina  South Dakota
 Tennessee  Texas  Utah  Vermont  Virginia  Washington
 West Virginia  Wisconsin  Wyoming    
Home Insurance | Life Insurance | Auto Insurance | Medicare Supplements | Annuities | Insurance Exchange
Home | About Us | Contact Us | Privacy Policy | Disclosure | Resources | Add URL | Site Map