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Which insurance companies sell long term care insurance?

Several Insurance Companies Sell Long Term Care InsuranceThere are hundreds of insurance companies that sell long term care insurance. Some companies specialize in these types of policies and only write long term care policies. Other companies sell a variety of insurance policies individually or as a package.

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The top four companies selling long term care insurance are John Hancock, MedAmerica, MetLife, and Prudential. The following article will provide additional information about these top long term care insurance providers.

The Top 4 Long Term Care Insurance Companies

The top long term care insurance companies vary from state to state depending upon statistics and can change year to year.

But there are four companies that have consistently stayed in the top four or close to the top four. Their status as a top four company is based on how many policies are written as well as remaining a financially stable company. Top companies have great customer service and an unparalleled commitment to making sure claims are met.

John Hancock Insurance

One top company when it comes to writing long term care insurance policies, is John Hancock . John Hancock was started in 1862 and is named after the famous signer of the Declaration of Independence. Their values spell the word PRIDE. John Hancock values are:

  • Professionalism
  • Real value
  • Integrity
  • Demonstrated financial strength, and a reputation as a trustworthy
  • Employer

John Hancock long term care policies cover needs in the event of an illness, an accident, or due to the normal process of aging. Their policies allow you to receive care in your home or in a facility.

MedAmerica

Another top company is MedAmerica. MedAmerica was founded in 1975 to partner with hospitals and doctors to manage complex health insurance needs. Since then, they have expanded to include long term care insurance as well.

MedAmerica long term care policies cover care as well as emergency room visits, urgent care, ambulance, on-call physicians, and occupational therapists. Care coverage extends to hospital stays when medical care that cannot be given in a facility or home is needed.

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MetLife

A third top company providing long term care insurance is MetLife. MetLife is known for the statement “get Met it pays.” Though this is only a catchy slogan, MetLife has a strong reputation for paying its claims in a timely manner and with the maximum benefit amount. Within the insurance industry, MetLife has the lowest statistic of rejected claims.

Their long-term care insurance policies have a policy owner’s clause that allows the policy owner to have more control over when and how coverage is paid.

For example, if a long term care insurance need arises and you have some money to pay for a portion of it and you would like to save your benefits for the future, you can do so. If a need arises that is partially covered by medical insurance and partially covered by long term care insurance, you can control the payout options.

This type of policy costs slightly more in monthly premium amounts, but the flexibility may be worth it to some individuals. This type of flexibility allows you a voice in how you or your loved ones are cared for.

Prudential

Another top company is Prudential. With over 38,000 employees in more than 35 countries, Prudential is one of the largest insurance companies in the world. They also have the highest financial rating with over $690 billion dollars in assets worldwide. Their long term care insurance policies are available in all 50 states and provide a cost of care analysis before giving potential policy holders a quote. Cost of care analysis can be done for a particular state or a particular illness.

Is one of these companies right for me?

One of these companies may be the right one for you, or another company may be able to meet your long term insurance needs better. There are many choices and many companies that are able to write quality long term insurance policies. To find the company that is right for you, try using the free online comparison tool.

The insurance quote tool will place rates and quotes from several top companies side by side. When you see the choices you have, you can make a better informed decision as to what long term care insurance policy and company would meet your needs and fit into your budget.

Compare providers by entering your zip code and receiving long term rate quotes today!

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