Long-Term Care
What Long-Term Care Insurance actually covers
The specific care settings, monthly benefits, and services a modern LTC policy pays for, and where the coverage stops.
Read the guide
Independent Long-Term Care Insurance Guidance
Long-Term Care Planning, Explained in Plain English.
Independent guidance on Long-Term Care Insurance, annuities, and life insurance. Education first. We start with a short conversation so any quote reflects your age, state, health, and goals.
We will help you choose the right starting point based on the type of insurance guidance you need.
RamseyTrusted LTC Pro
Meet your advisor
Mischa Wright, CLTC®
Mischa is a Long-Term Care insurance producer, advisor, and educator. His connection to this work is personal: his Opa lived with Parkinson’s disease, and the family experienced firsthand the emotional, practical, and financial weight of extended care.
That experience shaped a simple conviction. Families deserve clear guidance and a plan before care becomes a crisis. Clients work directly with Mischa and are supported by a team of licensed insurance professionals serving families nationwide.
Long-term care planning is not about fear. It is about keeping choices open, protecting the people around you, and making decisions calmly before you have to.
Roughly 70% of Americans turning 65 today will need some form of long-term care during their lives, according to the U.S. Department of Health and Human Services. Medicare does not cover the ongoing custodial care most families end up needing.
How we help
A flagship specialty in Long-Term Care, supported by the retirement tools that surround it.
Flagship specialty
Long-Term Care Insurance
Traditional LTC, hybrid life/LTC, asset-based, and annuity-linked strategies. Underwriting, benefit design, inflation protection, elimination periods, shared care, Partnership-qualified policies. We walk through the mechanics before we discuss numbers.
Explore Long-Term CareAnnuities
Retirement income planning, principal-protection strategies, and income riders (some with long-term care features).
See annuity optionsLife Insurance
Term, permanent, and hybrid life/LTC designs, matched to what the money is actually supposed to do.
See life insurance optionsMedicare (referral)
Our licensed team can help connect you with appropriate Medicare Supplement, Advantage, or Part D guidance.
Request Medicare helpDisability Insurance
Individual disability coverage for professionals and business owners. Own-occupation definitions, business-overhead expense, buy-sell funding.
Request a disability quote
The independent advantage
We are not tied to a single carrier.
As an independent agency, we compare designs from multiple highly rated insurance companies and match the plan to what you actually need rather than what one company happens to sell.
That matters most in Long-Term Care, where the same health picture can be declined by one carrier and approved by another. Part of our job is quietly matching your situation to the carrier most likely to say yes, before a formal application creates a record.
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You bring the situation
Age, state, health picture, existing coverage, and what you are trying to protect.
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We bring the options
Side-by-side comparisons across appropriate carriers, in plain language, with the trade-offs stated honestly.
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You decide
Apply only if it makes sense. Our job is to guide, not to sell.
Trusted by clients nationwide
Read our Google Reviews
Real reviews from real families we have worked with.
We do not display testimonial quotations without written approval. See what our clients have said in their own words on Google.
Read what our clients say on Google
Recent guides
Learn how it works before you decide anything.
Long-Term Care
Medicare vs. Long-Term Care Insurance
A common misunderstanding worth clearing up: what Medicare does and does not pay for when ongoing care is needed.
Read the guide
Long-Term Care
When should you buy LTC insurance?
Why age, health, and market timing all matter, and how the “planning window” opens and closes.
Read the guide
Common questions
Questions we hear most often.
Does Medicare pay for long-term care?
Medicare covers limited skilled care and short-term rehabilitation after a qualifying hospital stay. It does not cover the ongoing custodial care that most long-term care claims involve, help with bathing, dressing, eating, and supervision for cognitive decline.
How much does Long-Term Care Insurance cost?
Premiums vary widely by age at application, health, state, benefit design, and policy type. A meaningful design at 55 costs substantially less than the same design at 65, which is one of several reasons planning is easier to do earlier than later. Illustrative pricing examples live in our cost guide.
Is the first call free?
Yes. There is no charge for an initial conversation and no obligation to apply.
Are you licensed in my state?
Mischa is Nevada based, and our licensed team supports clients nationwide. During the first call we confirm licensure specifics for your state and the products you are considering.
The first conversation is short, honest, and free.
We will help you understand your options, decide what makes sense, and never push you toward anything that does not.
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