Long-term care coverage

A better way to prepare for life’s most vulnerable moments

At Low-Cost Health Coverage, we believe true healthcare goes beyond hospital visits or prescriptions, it’s about protecting your dignity, independence, and future. That’s why we offer dedicated long-term care coverage, giving you and your loved ones peace of mind for the years ahead.

While our partner, Impact Health Sharing, provides affordable health coverage for today’s needs, we complement their care with long-term solutions for tomorrow’s realities.

What is Long-Term Care?

Long-term care coverage helps pay for personal assistance when chronic illness, disability, or aging makes it difficult to care for yourself.

This support can include:

In-home care from a caregiver who assists with meals, hygiene, and mobility.

Assisted living or nursing home care, when living independently is no longer safe.

Adult day services or respite care that give family caregivers a break.

Memory care support for conditions like dementia or Alzheimer’s.

Skilled care for daily activities like bathing, dressing, eating, using the restroom, and managing medications.

*These services are not covered by most traditional health plans or Medicare, making a dedicated long-term care policy essential for protecting your health, and your family’s finances.

How long-term care works?

We’ve simplified the process so you can make confident choices without pressure or confusion. Whether you’re planning for yourself or helping a loved one, we’re here to guide you every step of the way—with care, clarity, and compassion.

1. Book a free consultation

Start with a no-obligation call with one of our licensed long-term care specialists. We’ll listen to your goals, answer your questions, and explain how coverage works in plain language—no sales pitch, just real support.

2. Share what matters most

Tell us about your age, lifestyle, health background, and where you’d prefer to receive care, in your home, a facility, or both. We’ll get a clear picture of your needs so we can help you plan with purpose.

3. Explore your personalized options

We’ll provide a few carefully selected plans tailored to your needs and budget ranging from basic coverage to full protection with features like shared benefits or inflation protection. Get full transparency on what’s included and how it protects what matters most.

4. Pair with Impact Health Sharing

Already have or considering Impact Health Sharing? Excellent choice, our long-term care plan works hand-in-hand with your existing coverage. While Impact handles everyday medical costs, our LTC plans prepare you for future care needs, giving you complete peace of mind.

5. Move forward with confidence

Once you’ve chosen a plan, you’re all set. You’ll be covered, supported, and prepared, no matter what the future brings. Real care means more than just coverage; it’s about protecting your independence, ensuring your security, and bringing peace of mind to your family.

Talk with a licensed advisor

Why long-term care coverage matters?

Most people will need long-term care

7 in 10 adults over age 65 will need long-term care at some point in their lives.

Care can be very expensive

Costs can exceed $8,000/month for nursing home care or in-home assistance.

Medicare doesn’t cover it

Medicare only covers short-term rehab care (not long-term or custodial care).

Medicaid makes you spend down first

Medicaid requires you to spend down most of your assets before qualifying.

Family often pays the price

Without coverage, families are left to shoulder the burden, financially and emotionally.

Who should consider long-term care coverage?

Long-term care coverage is ideal for:

Planning ahead for retirement

Adults aged 40+ preparing for aging and retirement.

Caring for aging parents

Children of aging parents who want to protect family savings and reduce caregiver stress.

Staying independent longer

Retirees or pre-retirees who want to stay independent as long as possible.

Avoiding burden on loved ones

Anyone who wants to avoid being a financial burden on loved ones in the future.

Get started with a free quote

Planning ahead starts here

Even if traditional long-term care insurance isn’t a fit, Low-Cost Health Coverage gives you affordable options with real support, powered by Impact Health Sharing.

Start your care today

What our long-term care plans offer?

We work with top LTC providers to give you flexible, affordable, and human-centered options.

Our plans include:

Choose your daily benefit amount

Customize how much your plan will pay typically between $150 to $400 per day to cover the cost of care in any setting, whether it’s at home, an assisted living facility, or a nursing home. This lets you match your coverage to real-world care costs in your area.

Premium perks that give you more control

Some plans offer a waiver of premium, so you stop paying if you begin receiving care. Others include a return of premium, refunding a portion of what you paid if the benefits aren’t used. These options help you protect both your health and your investment.

Care where you want it

You’re in control. Get care in your own home, at a professional facility, or a mix of both, depending on your needs and lifestyle. You won’t be locked into one type of care setting.

Protection against rising costs

With inflation protection, your benefits grow over time, helping ensure your plan stays relevant and valuable, even as care costs increase year after year.

Flexible coverage periods that fit your life

Choose a benefit period that works for your situation, whether it’s 2 years, 5 years, or lifetime coverage. Smart, affordable coverage today. Confidence and security for tomorrow.

Coverage for couples, shared peace of mind

You can choose a shared plan for you and your spouse or partner, which lets both of you draw from the same benefit pool. It’s a smart, cost-effective way to protect two lives with one plan.