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LTC Consumer Long Term Care Insurance Review

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LTC Consumer is an online information and referral source for long-term care planning. LTC Consumer is operated by MasterCare America, Inc. (MCA). Founded in 1988, MCA is one of the country's leading long-term care firms and has helped over 50,000 consumers obtain long-term care coverage.
 
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How is LTC Consumer rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

LTC Consumer is a great choice for long-term care insurance as the company pairs customers with multiple reputable carriers to help them obtain the best coverage and price. It also has a wealth of information on its site to educate consumers on the subject and industry-recognized LTC Specialists with an average of 10+ years' experience who can provide personalized support. All prospective clients need to do is fill out a form with minimal information, and LTC Consumer will contact them with options that fit their needs. LTC Consumer is an affiliate of MasterCare America, a long-term care insurance broker that has been in business for over 30 years.

Policies & Coverage

Policies & Coverage - 0 / 5

As LTC Consumer can connect customers to multiple long-term insurance carriers, they can provide most every type of policy option out there. What's more, the company also offers extensive educational resources on its website so consumers can educate themselves on this often complicated subject. Once you've decided on the type of coverage and policy options you desire, we encourage you to consult with LTC Consumer staff to make sure you are being connected with the appropriate company. Some common policy types include individual, state partnership, hybrid life and long-term care, and group plans.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Group
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Spouse Survivorship
Home Modification
Nonforfeiture
Available Discounts
Partner / Household
Preferred Health
Multi-Policy

Claims & Benefits

Benefit Limits - 0 / 5

Similar to policies and coverage, the claims and benefits package will vary by carrier. Some common eligibility for benefits requirements include daily living limitations, physician certification, or cognitive impairment. Elimination period and daily/lifetime limits will also depend on the carrier so make sure to discuss this with the LTC Consumer representative.
Eligibility Requirements
Activities of Daily Living Limitations
Physician Certification / Letter
2nd Physician / Provider Opinion
Alzheimer's or Cognitive Impairment

Financial Strength & Ratings

Financial Strength - 0 / 5

LTC Consumer partners with reputable insurance carriers like Mutual of Omaha, Transamerica, and Aetna. Financial strength ratings are especially important when it comes to long-term care insurance as you'll need to count on the possibility of making a claim over a long period of time. For illustrative purposes, we've included the financial strength ratings of Transamerica, one of LTC Consumer's partners. As always we encourage consumers to research the ratings of whatever company LTC Consumer ultimately aims to pair them with.
Moody's Financial Rating
A1
AM Best Financial Rating
A+
Standard & Poor's Financial Rating
AA-
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: Transamerica.

LTC Consumer Reputation

Customer Service - 0 / 5

Although LTC Consumer is a relatively new website, it is operated by MasterCare America, a long term care solutions firm which was founded in 1988. MasterCare has an A+ with the BBB and a high volume of positive online reviews. To date the company has helped over 50,000 customers with long term care planning.
BBB Rating
A+
Date Collected
2020-06-01

Contact & Additional Information

Company Type
Marketplace
Year Founded
1988
Homepage URL
https://ltcconsumer.com
Headquarters Address
10300 SW Greenburg Road, Portland, OR, 97223

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