Long-term care insurance is more than a policy. It’s protection for your independence, your savings, and your family’s peace of mind. At TWFG Pitchford Insurance, we help individuals and families in Lakeway, Austin, and the surrounding Lake Travis area plan ahead for the cost of extended care, whether at home, in an assisted living community, or a nursing facility.
As an independent agency, we compare options across multiple top-rated carriers, so you get real choices instead of a single take-it-or-leave-it quote. Whether you’re planning early to lock in lower premiums or exploring coverage for the first time, we’ll help you find a policy that fits your health, your goals, and your budget.
The cost of extended care can be significant, and many people are surprised to learn that standard health insurance and Medicare provide limited coverage for long-term care needs. Without a plan in place, the financial burden often falls on savings, retirement funds, or family members who step in to help. Long-term care insurance is designed to help cover these costs, whether that means in-home assistance with daily activities, care in an assisted living community, or full-time nursing care.
Timing matters when it comes to long-term care coverage. Premiums are generally lower and easier to qualify for when you’re younger and in good health, which is why many people choose to plan ahead rather than wait until care becomes an immediate need. We help you understand how age, health, and coverage amount affect your options, so you can make an informed decision about when to secure a policy.
We also know these conversations often involve family, and we’re happy to include loved ones in the process so everyone understands the plan. If you live in Lakeway, Austin, or the surrounding Lake Travis area and want to explore long-term care coverage, TWFG Pitchford Insurance is here to help you plan ahead with confidence.
Most health insurance and Medicare don’t cover long-term care costs. Here’s what coverage through TWFG Pitchford Insurance can include:
Original Medicare covers a lot, but not everything. A Medicare Supplement policy, also called Medigap, helps cover the costs Medicare leaves behind, like copayments, coinsurance, and deductibles.
Medigap is a policy that works alongside Original Medicare Parts A and B. It picks up the out-of-pocket costs Medicare doesn’t pay, so you’re not left with a surprise bill after a doctor visit or hospital stay.
Medigap policies come in different plans, each with its own set of benefits. Some of the most common are Plans A, B, D, G, and N. The right one depends on your health needs, your budget, and how much predictability you want in your costs. Our team will walk you through the options and help you compare them side by side.
Medigap has a one-time, six-month open enrollment period that starts the month you turn 65 and are enrolled in Medicare Part B. This is the best time to enroll, since insurers can’t deny coverage or charge more based on health conditions during this window. Miss it, and you may face medical underwriting or limited options later.
You still have options. You may be able to use an employer’s group plan, enroll through a spouse’s coverage, or in some cases qualify through a state high-risk pool. Our team can help you find the right path based on your situation.
Medicare and Medigap are designed for medical costs, doctor visits, hospital stays, and treatment. They are not designed to cover long term custodial care, like help with bathing, dressing, or daily living support at home or in a facility. That’s where Long-Term Care insurance comes in.
We help clients build a complete plan: a Medicare Supplement to manage medical costs today, and a Long-Term Care policy to protect their independence and savings later. One doesn’t replace the other. Together, they cover the full picture.
Every situation is different. Contact our team for a free consultation, and we’ll help you find the Medicare Supplement and Long-Term Care coverage that fits your needs and budget.
