No two long term care insurers price the same applicant alike, which is why comparing quotes matters. Here is how to get accurate numbers fast.
What information do you need for a quote?
To produce an accurate long term care insurance quote, an advisor needs your age, gender, general health and medical history, and the coverage you want, including the daily or monthly benefit amount, how long benefits should last, the waiting period, and whether you want inflation protection. Couples can ask about shared-benefit or discount options. Providing honest health details upfront prevents surprises during underwriting. Once you share these, a 1-800-MEDIGAP advisor can return real numbers from several carriers, not a single quote that may not be your best price.
Why compare quotes from multiple carriers?
Each insurer uses its own underwriting and pricing formulas, so the same person can receive premiums that differ by hundreds or thousands of dollars per year for nearly identical coverage. A carrier that is strict on one health condition may be lenient on another. Working with an independent advisor who quotes many companies means you see the full market instead of one company's offer. That is exactly what 1-800-MEDIGAP does. Call 1-800-633-4427 to compare carriers in one conversation.