Home Health Care Insurance
Remain independent and living at home by securing a tailored home health care insurance plan that covers professional in-home care.
LONG TERM CARE INSURANCE
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Long-term care costs vary by location, care setting and level of help. CareScout’s 2025 Cost of Care Survey reported these U.S. national median annual costs:
Source: CareScout 2025 Cost of Care Survey, median cost tables, published March 2026. These are national survey figures, not a local quote or an insurance benefit amount. Actual costs in Texas and your community may differ.
Medicare generally does not pay for long-term custodial care, such as ongoing help with bathing, dressing or other daily activities. It may cover eligible short-term skilled nursing facility care or home health services when Medicare’s conditions are met. Those benefits differ from long-term care coverage. See Medicare’s explanation of long-term care coverage.
A long-term care insurance advisor will help you find a policy that can help cover the costs of ongoing custodial care that most families eventually need when the time comes.
Long-term care insurance is a private policy that pays for personal and custodial care in a nursing home, assisted living, memory care, or in the comfort of one’s own home when assistance is needed for activities of daily living (bathing, dressing, toileting, mobility, and similar needs) when a person can no longer manage those activities independently.
It's never too early to start thinking about your Long Term Care – especially while you're healthy and can qualify for a Long Term Care Policy.
Explore long-term care insurance in Texas with personal guidance from Medicare Moss. Understand available coverage, benefit limits, and policy terms before deciding what fits your needs.
Depending on the plan, long-term care insurance coverage may apply to:
01
Care received in a nursing home
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Assisted living and memory care facility costs
03
In-home assistance and personal care services
Long-term care benefits and long-term care policy options vary by plan. Long-term care insurance cost depends on factors like age, health, and the type and amount of coverage selected. Reviewing your options before you need care gives you more choices and, in many cases, more affordable rates.
Another way to plan for care at home
Long-term care insurance helps you plan for extended support. If you are looking for a shorter period of care at home, a home care or recovery care policy may be worth exploring.
✓ Weekly benefits may help pay for qualifying care at home.
✓ Some options have a simpler application and are available at older ages.
✓ Compare the benefit period, care requirements, and cost with an advisor.
Options screener
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There may be short-term home care options worth discussing. An advisor can compare policy details and eligibility with you.
This screener does not determine eligibility or provide a quote. Coverage depends on policy terms and underwriting.
MORE WAYS TO PLAN AHEAD
Remain independent and living at home by securing a tailored home health care insurance plan that covers professional in-home care.
Help secure your financial future with long-term care insurance that covers nursing home stays, assisted living, and in-home assistance, should you need it.
Obtain specialized insurance that covers expenses related to cancer, heart disease, and strokes. We can also help you select a hospital indemnity plan to cover out-of-pocket hospital costs not covered by other plans.
Select from a range of life insurance plans, including term insurance, whole life insurance, and indexed universal life insurance, to meet your unique circumstances.
Explore options for protecting retirement savings. Talk with a Medicare Moss expert about product guarantees, fees, withdrawal limits and suitability before choosing a strategy.
Medicare Moss helps you understand Medicare eligibility and compare coverage for your individual needs, including Medicare Supplement insurance, prescription drug plans, and Medicare Advantage.
Long-term care planning is a personal decision for Texas families. Medicare Moss helps you compare available coverage, ask the right questions, and consider how a policy fits your care preferences and budget.
Review long-term care insurance options with a Medicare Moss expert by phone or virtually. Ask about in-person consultations where available. Coverage and eligibility depend on the policy and your circumstances.