Guide
Compare Hybrid Long Term Care Insurance Plans
Compare the Best Hybrid Long-Term Care Insurance Plans
Find the right balance of cost and coverage from top providers in one place, and save time and money with our side-by-side comparison service.
We built this site to be the place to compare hybrid long-term care insurance. A hybrid policy combines long-term care benefits with life insurance, so the money still goes to your family if you never need care. Our job is to make your search simple and help you find a policy that fits your needs. For more background on hybrid coverage, see Forbes and Investopedia.
Benefits of Hybrid Long-Term Care Insurance
A hybrid long-term care insurance policy offers:
- Comprehensive coverage: long-term care benefits for a range of services, including home health care, assisted living and nursing home care, combined with life insurance protection for your loved ones.
- Asset protection: a way to shield your savings from the rising cost of long-term care services, as tracked by Genworth's Cost of Care Survey (now published by CareScout). The federal government's long-term care cost and payment overview explains who pays for care and why.
- Premium stability: predictable, level premiums for the life of the policy, without the unexpected rate increases that can occur with traditional long-term care insurance.
- Tax advantages: tax-free long-term care benefits and possible tax deductions. The IRS explains how long-term care premiums count as medical expenses in Publication 502.
- Flexibility: riders and benefit options such as inflation protection, shared care and survivorship benefits, so you can tailor the policy to your needs.
How Our Comparison Service Works
- Provide your information. Fill out our simple, secure form with your basic information, coverage preferences and health history.
- Compare side-by-side quotes. Receive personalized quotes from multiple top-rated insurance providers, including New York Life, Lincoln Financial Group and Nationwide, in an easy-to-compare format.
- Choose your plan. Review each policy's features, costs and benefits, along with the provider's financial strength ratings from agencies like A.M. Best and Standard & Poor's, to find the best option for you.
- Apply for coverage. Once you've found the right policy, we'll connect you with the provider to complete your application and answer any remaining questions.
Compare top companies for yourself
Free, personalized side-by-side quotes from leading hybrid long-term care insurers. Getting started takes about 5 minutes.