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Getting Started

Six Key Tips For Choosing an Insurer

These first steps will start you off on the right foot.

You've decided to use long-term care insurance to help pay for your future care. You've determined which options best meet your needs, and now you're ready to buy a policy.Here are some tips on choosing an insurer:

Make sure the policy will cover you if you move to another state.

Don't buy more than one policy. Owning several policies is expensive and won't necessarily give you better coverage.

Never let anyone pressure or scare you into making a quick decision.

Never pay any insurance premium in cash, and always make your check payable to the insurance company.

Nearly all states require insurance companies to give you 30 days to review your signed policy. During this time, you can return a policy for a full refund if you change your mind.

Still have questions or concerns? Contact your state's health insurance department.

Report any fraud or harassment to your state's insurance department.

For more information about planning for long-term care, visit Decide to plan now for long-term care, create a plan that works for you, and share it with your loved ones. Let AARP help you. Decide. Create. Share.SM

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