Long-Term Care Planning — Clear Guidance for the Road Ahead
Medicare and Medicaid don’t cover everything. We help you prepare for the care you or a loved one may need — without guesswork, pressure, or costly surprises.
Why Long-Term Care Planning Matters
"Long-term care" isn’t just nursing homes. It includes in-home care, assisted living, adult day programs, and other services that help with daily activities when health or mobility changes.
Many families assume government programs will handle these costs. The reality is:
Medicare only covers limited, short-term rehabilitative care — not ongoing custodial care.
Medicaid requires strict income and asset limits before it will pay for care.
Most long-term care costs are paid out-of-pocket unless a plan is in place.
Planning early can help you protect your savings, your independence, and your family’s peace of mind.
How We Help
With specialized training in long-term care planning, we help you:
Understand what types of care may be needed — and the likely costs in Texas and beyond.
Explore funding options: traditional LTC insurance, hybrid life/LTC policies, or self-funding strategies.
Coordinate care planning with Medicare, retirement income, and legacy or estate goals.
Prepare your family so important decisions aren’t made in a crisis.
What’s Included in Your LTC Plan
Your personalized plan may include:
Local care cost projections based on your location and preferences
Benefits review and gap analysis
Side-by-side comparison of policy options
A family discussion guide
Resource list for trusted care providers and support services
For Caregivers and Families
If you’re already caring for someone, you know the emotional and financial strain it can bring. We can help you:
Navigate transitions from hospital to home care
Coordinate benefits between Medicare and long-term care coverage
Explore respite care and local support to reduce caregiver burnout