Intro
In The Price is Right, you pick the right price to win the car or dryer.
Pricing long-term care insurance (LTCi) works the same way—you pick the right price to get the winning coverage. The more you pay, the more benefits you receive, but factors like your age, health, gender, and policy choices also shape your options.
Add your details into our pricing calculator below to figure out your winning payment and benefits.
Post jargon
benefit: the amount LTCi pays for covered care expenses
death benefit: a payout to a beneficiary from a hybrid policy after the insured passes away
inflation protection: LTCi benefit that adjusts for rising costs
LTC: long-term care
LTCi: long-term care insurance
premium: the payment to maintain insurance
➡️ Explore all the LTC jargon
Pricing calculator
- If two people need coverage, you may qualify for discounts through a joint policy or by pairing two individual policies with partner discounts.
- The minimum you can spend on LTCi is $100/month for a traditional policy or a $50,000+ lump sum for a hybrid policy, with high-end options exceeding $500/month or $300,000+.
Wrap up
Kudos to you for taking an important step toward understanding the pricing of LTCi. Most people don’t start this process until it becomes urgent, but planning ahead puts you in control.
The pricing calculator above reflects just one popular policy, but we offer the best policies on the market. Costs and benefits vary, so explore multiple options to pick the policy that makes you ecstatic.
If LTCi feels like part of your plan, consider buying sooner rather than later. Purchasing earlier reduces the chance of being declined for coverage, ensures your coverage starts now, and saves you money.
Remember, when it comes to LTCi, the price can be right for you—no Big Wheel required.
