Extended care can drain savings quickly. Long term care insurance can help Texas families plan ahead and protect their choices.
Looking for long term care insurance in Texas? A policy can help pay for home care, assisted living, or nursing care if you need help with daily activities. A Blue Peak advisor can help you compare options.
Planning for care is personal. We help Texas families compare coverage that fits their wishes and budget.
Long term care insurance helps pay for care when you need help with daily activities or have a cognitive impairment.
Policies may cover in-home care, adult day care, assisted living, and nursing home care, depending on the terms.
Benefits usually start when you need help with a set number of daily activities, such as bathing or dressing, or have a cognitive impairment.
You choose a benefit amount and how long benefits can last. Higher amounts cost more.
Inflation riders can help your benefit keep up with rising care costs over time.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here are a few things Texas families often consider.
Texas families often want options for home care or assisted living near family. Policy terms affect which settings are covered.
Some Texans prefer hybrid life and care policies that pay a death benefit if care is never needed.
Use these questions when you compare quotes or review your current policy:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell long-term care insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website. Texas also has a life and health insurance guaranty association that protects policyholders, within set limits, if a licensed insurer fails.
Texas has no state income tax on wages, so many families focus on how life, income and retirement products fit their overall budget when they buy a home, grow a business or plan for a parent's care.
Blue Peak works with individuals and couples in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your long-term care insurance before you decide.
Long term care insurance in Texas is regulated by the Texas Department of Insurance.
Partnership programs and their rules vary by state. An advisor can check whether a Partnership-qualified policy is available to you in Texas.
Cost depends on your age, health, benefit amount, benefit period, elimination period, and inflation protection.
Many people review coverage in their 50s or early 60s, when it is usually easier to qualify.
Medicare generally does not pay for long-term custodial care. It may cover limited skilled care after a hospital stay.
Long term care can be expensive, and planning ahead gives you more choices. Comparing options helps protect your savings and your family.
Learn more about our long term care insurance options, or see our guide to life insurance in Texas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
