The Long Term Care Alternative

The Long Term Care Alternative plan is a plan ahead service contract that can cover Home Custodial Care needs in the future. Our plans are one of the only plan ahead options for seniors to cover the unexpected cost associated with home care services.

• No Underwriting
• No claim forms
• No deductible
• No co-pays
• No age limit

Many American seniors are under the impression that traditional health care programs will provide the desired services in the home such as

• Meal planning/preparation
• Assistance with dressing
• Assistance with bathing, toileting and hygiene
• Grooming
• Laundry, ironing and changing linens
• Grocery shopping
• Lighthouse keeping
• Monitor diet and food expiration
• Medication reminders
• Accompany to place of worship
• Accompany to doctors appointments

Medicare, Medigap and most Medicare Advantage Plans are designed to cover hospital stays, doctor bills and some short term skilled nursing. Unfortunately, they do not cover the cost of everyday assistance in your own home.

While your loved ones will have the best intentions to be there for you when a crisis arises, many are not prepared and quickly become overwhelmed by the amount of work involved in care giving. Traditional home health care insurance is an option for such services, however it is limited to only the extremely healthy, creating challenges for many.

The Long Term Care Alternative membership plans provide seniors with the freedom to live in the comfort of their own homes. American Senior Services, Inc. (ASSI) arranges for a fully licensed, bonded and insured homecare provider from the ASSI qualified network, or seniors can select an ASSI-approved friend or neighbor to provide their care. ASSI’s flexible membership plans provide freedom of choice within its custom companion service featuring living assistance for things like:

• Meal preparation
• Dressing
• Personal hygiene
• and more!