As we age, daily chores we might take for granted — like cooking and bathing — can become challenging.
If you develop age-related health issues, you might need long-term care.
Medicare and Medigap plans may only cover certain long-term care services. However, you can protect yourself by investing in a long-term care insurance plan.
Let's dive deeper into long-term care and discuss how you can get coverage.
Long-term care
Long-term care is more than just an insurance policy.
It helps people who struggle to perform daily activities — like dressing, eating, walking, or using the bathroom.
It supports family and social needs.
It prevents health conditions from getting worse.
You can receive long-term care services in the following settings:
Assisted Living Facilities
Live on your own but still receive daily assistance and medical attention.
Nursing Homes or Skilled Nursing Facilities
Receive comprehensive healthcare services and ongoing medical care.
Continuing Care Retirement Communities
Move from independent living to more individualized care (for example: meal, transportation, and/or senior center services).
Your Home
Live at home or with family members while receiving medical care and daily assistance.
While it's hard to predict when this coverage becomes necessary, it's good to have a backup plan.
Insurance coverage protects you if you get sick, develop severe vision problems, or encounter another sudden need for long-term medical care.
The following factors influence the need for long-term care:
Age — The older you are, the more likely it is that you'll need long-term care.
Gender — Since women typically live longer than men, they have a higher chance of needing long-term care.
Disability — If you have a disability or get in an accident that leaves you disabled, you'll probably need long-term care.
Health Condition — If you or your family have a history of chronic medical conditions or cognitive disorders, like Alzheimer's, you are more likely to require assistance.
Marital Status — Singles are more likely than married couples to need long-term care.
No. Medicare and Medigap Plans
Let's take a look at some examples:
Skilled Nursing Facility (SNF) Care
Insurance might cover your expenses if you need skilled nursing care on a short-term basis (i.e., after an accident/medical procedure).
Medicare — provides full coverage for the first 20 days.
Medigap — covers 50% to 100% of the coinsurance (depending on your plan) for the next 80 days.
Hospice Care
Hospice makes terminally ill patients’ lives more comfortable with physical care, counseling, drugs, equipment, and other supplies.
Insurance coverage varies:
Medicare — covers hospice care only if your hospice provider is Medicare-approved.
Includes everything needed to manage terminal illness.
Covers services for any health problems not related to terminal illness but involves deductibles and coinsurance.
Medigap — covers 50% to 100% of hospice coinsurance and copayments (depending on your plan).
Pays for drugs, respite care, and treatments for problems unrelated to your terminal illness.
Home Health Care
Home health care provides medical care for homebound patients.
Services include:
Medical social services
Part-time or intermittent home health aide care
Injectable drugs for women with osteoporosis
Medical supplies for use at home
Medicare covers 100% of these services.
It also pays for most of your durable medical equipment (DME)
Once you pay the Part B deductible, Medicare pays 80% of the Medicare-approved amount.
Your Medigap plan may cover 50% to 100% of the remaining 20%.
You can get long-term care insurance by:
Purchasing it directly from a private insurance company
Connecting to an insurance company through an agent
Buying it from your employer's broker at group rates
Keep these things in mind when shopping for long-term care insurance:
Different insurance companies charge different prices for the same amount of coverage.
Costs vary depending on your age, gender, marital status, and type of coverage.
Shop around and compare policies to find one that fits your needs and budget.
Some of your long-term care choices
Home and community-based services
Accessory Dwelling Unit (ADU)
Subsidized senior housing
Continuing Care Retirement Communities (CCRCs)
Group living arrangements
Hospice and respite care
PACE (Program of All-inclusive Care for the Elderly)
We all experience aging differently, and it's difficult to predict when unique challenges might arise.
Age-related changes can be scary, but you are not alone. A long-term care insurance plan ensures you have assistance for as long as you need.
If you need help finding a long-term insurance Fair Square Medicare
Call us today at 1-888-376-2028.

How Can I Get a Replacement Medicare Card?
Aug 14, 2023

Does Medicare Cover Hepatitis C Treatment?
Nov 22, 2022

Does Medicare Cover Vitamins?
Dec 5, 2022

Does Medicare Cover Bariatric Surgery?
Dec 27, 2022

Does Medicare Cover a Spinal Cord Stimulator?
Nov 19, 2022

Estimating Prescription Drug Costs
May 25, 2020

How to Become a Medicare Agent
Aug 30, 2023

The Fair Square Bulletin: October 2023
Oct 2, 2023

What is the 8-Minute Rule on Medicare?
Dec 21, 2022

Do All Hospitals Accept Medicare Advantage Plans?
Apr 11, 2023

Does Medicare Cover Robotic Surgery?
Nov 28, 2022

When to Choose Medicare Advantage over Medicare Supplement
Jun 7, 2023

Can Doctors Choose Not to Accept Medicare?
Dec 8, 2022

What You Need to Know About Creditable Coverage
Jan 18, 2023

Does Medicare Pay for Varicose Vein Treatment?
Nov 18, 2022

14 Best Ways for Seniors to Stay Active in Washington, D.C.
Mar 11, 2023

How Much Does Trelegy Cost with Medicare?
Jan 24, 2023

How Much Does a Pacemaker Cost with Medicare?
Nov 21, 2022
10 Top Medicare Supplement (Medigap) Companies for 2025
13 Best Ways for Seniors to Stay Active in Indianapolis
13 Best Ways for Seniors to Stay Active in Phoenix
14 Best Ways to Stay Active in Charlotte
15 Best Ways for Seniors to Stay Active in Denver
2024 Fair Square NPS Report
Are Medicare Advantage Plans Bad?
Can I Choose Marketplace Coverage Instead of Medicare?
Can I Laminate My Medicare Card?
Can Medicare Advantage Plans be Used Out of State?
Does Medicare Cover an FMT?
Does Medicare Cover Breast Implant Removal?
Does Medicare Cover Cala Trio?
Does Medicare Cover Cardiac Ablation?
Does Medicare Cover Cartiva Implants?
Does Medicare Cover Cervical Disc Replacement?
Does Medicare Cover Chiropractic Visits?
Does Medicare Cover Cold Laser Therapy (CLT)?
Does Medicare Cover Compounded Medications?
Does Medicare cover Deviated Septum Surgery?
Does Medicare Cover Exercise Physiology?
Does Medicare Cover Hearing Aids?
Does Medicare Cover Hoarding Cleanup?
Does Medicare Cover Home Heart Monitors?
Does Medicare Cover Hypnotherapy?
Does Medicare Cover Inspire for Sleep Apnea?
Does Medicare Cover Light Therapy for Psoriasis?
Does Medicare Cover Macular Degeneration?
Does Medicare Cover Nexavar?
Does Medicare Cover Orthodontic Care?
Does Medicare Cover Penile Implant Surgery?
Does Medicare Cover Scleral Lenses?
Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?
Does Medicare Cover the Urolift Procedure?
Does Medicare Cover Wart Removal?
Does Medicare Cover Xiafaxan?
Does Medicare Cover Zilretta?
Does Medicare Pay for Allergy Shots?
Does Medicare Pay for Bunion Surgery?
Does Medicare Pay for Funeral Expenses?
Does Your Medicare Plan Cover B12 Shots?
Does Your Plan Include A Free Gym Membership?
Fair Square Client Newsletter: AEP Edition
Finding the Best Vision Plans for Seniors
Health Savings Accounts (HSAs) and Medicare
How Does Medicare Cover Colonoscopies?
How is Medicare Changing in 2025?
How Much Does Medicare Cost?
How Much Does Rexulti Cost with Medicare?
How Your Employer Insurance and Medicare Work Together
Is Balloon Sinuplasty Covered by Medicare?
Is Emsella Covered by Medicare?
Is Gainswave Covered by Medicare?
Is Vitrectomy Surgery Covered by Medicare?
Medicare & Ozempic
Medicare 101
Medicare Deductibles Resetting in 2025
Medicare Explained
Medicare Guaranteed Issue Rights by State
Medigap Plan N vs. Plan G — Which One Fits You in 2025?
Saving Money with Alternative Pharmacies & Discount Programs
Should You Work With A Remote Medicare Agent?
Top 10 Physical Therapy Clinics in San Diego
Welcome to Fair Square's First Newsletter
What Does Medicare Cover for Stroke Patients?
What Happens to Unused Medicare Set-Aside Funds?
What is a Medicare Beneficiary Ombudsman?
What Is a Medicare Supplement SELECT Plan?
What's the Deal with Flex Cards?
What's the Difference Between HMO and PPO Plans?
Why You Should Keep Your Medigap Plan
Will Medicare Cover it?
Get the Fair Square Bulletin
Medicare savings tips, helpful guides, and more.
Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2026 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
MULTIPLAN_FairSquareMedicare_01062022_M
Fair Square Medicare
