No one likes to think about how they will pay for their care in a nursing home one day – yet according to statistics from the U.S. Census Bureau, almost half of all Nevada residents face that scenario. Almost half of us will require some form of long term care at some point in our lives.

What can we do about it? Many people feel confident that the government will take care of all of their long term health care needs once they reach the age of 65. Unfortunately those people are living in a dream world.

Medicare does not pay for long term health care. Purge that idea from your mind.

What about the state of Nevada? Well, the state of Nevada does offer limited long term health care through its Medicaid program. Before you can take advantage of this care, however, you must spend all of your assets, making yourself totally destitute. Once you’ve done that then you must be willing to accept the type of care that the state deems appropriate for you and you must accept that care in a facility the state chooses – for the rest of your life.

If that scenario doesn’t sound terribly appealing, then you have but two alternatives: Never become sick or disabled, or purchase long term health care now, while it is still affordable.

Before you begin your online search to compare low cost long term care insurance here in Nevada, it is important that you lay a solid groundwork in order to keep your monthly premiums as low as possible.

Start by buying your policy now – before another birthday passes. Each year that passes increases the monthly premium on your long term care insurance.

Get healthy. Lose weight if you have to, and if you smoke...well, you know the drill. Smoking and obesity not only take years off your life, they also add many dollars to the cost of your long term care insurance each month.

Make sure your long term care policy has inflation protection, otherwise when it comes time for you to rely on it, it could be woefully out of date and provide little or no help.

Also, know how much of an elimination period you can afford. An elimination period is just a fancy way of saying how much of a deductible you can afford to pay before you want the insurance policy to take over. The larger your elimination period the smaller your monthly premium.

Now it’s time for you to go online and compare the cost of long term health care from a variety of companies head-to-head. Unfortunately you cannot simply plug your figures into one website and believe that you have necessarily found the lowest cost long term health care in Nevada. Since each site uses a different set of insurance providers, it may be necessary for you to make comparisons at a minimum of 3 different sites before you will know for sure that you have found the best price possible.

It’s a lot of work to compare low cost long term care insurance in Nevada, but once you’ve found your dream policy it will all be worthwhile.

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