Couples have unique long term care insurance options that can lower cost and protect shared savings. Here is what to know.
Spousal discounts and shared-benefit policies
Many insurers offer spousal or partner discounts when both members of a couple apply, sometimes even if only one ends up qualifying, which can meaningfully reduce combined premiums. Shared-benefit policies create a common pool of coverage both spouses can draw from, so if one partner needs more care than expected, they can tap the other's unused benefits. This flexibility helps couples avoid over-buying while still protecting against a heavy-need scenario. The structures vary by carrier, so comparing matters. A 1-800-MEDIGAP advisor can show you how much a couple can save.
Why couples should plan together
When one spouse needs years of care, paying out of pocket can drain the savings both partners depend on, leaving the healthy spouse financially exposed. Coordinated coverage protects shared assets and keeps care decisions in the family's hands rather than forcing a Medicaid spend-down. Planning together also lets couples lock in spousal discounts and choose complementary benefit levels. Because health and budgets differ between partners, a tailored comparison beats guessing. Call 1-800-633-4427 and a 1-800-MEDIGAP advisor will design a couples plan that fits both of you.