Long Term Medical Insurance

Long-term care is a range of services and support for personal care needs. Most long-term care isn’t medical care but rather helps with basic personal tasks of everyday life, also called custodial care, and is not covered by Medicare. Sometimes, help to pay for long-term care is available through the Medicaid program, but only after your personal financial resources have been exhausted.

People who shift their Long-term care expenses to an insurance company are able to preserve their assets from a custodial care situation. Harvest Moon Insurance is fully licensed and certified to write long-term care insurance policies that include coverage for home health care, assisted living, and nursing home care.

Medicare doesn’t cover most dental care or cleanings, fillings, extractions, plates, dentures, or devices. However, affordable dental, vision, and hearing plans are available through Harvest Moon Insurance.