Long Term Care Insurance

Plan Summary

Long-term care insurance covers services that are typically not covered by health insurance but are vital for the patient, such as assistance with activities of daily living (e.g. walking, eating, bathing). This plan provides financial protection from the rising costs of long-term care. Coverage for care in non-institutional settings, such as assisted living, adult day care, and in-home care, is also available.

Eligibility

Long-term care insurance is available to you, your spouse or domestic partner, your parents, and your spouse’s or domestic partner’s parents. Anyone covered by the plan must live in Wisconsin.

Enrollment

You may apply for coverage at any time during your employment. There is no open enrollment period because each application is subject to medical underwriting.

Some illnesses or pre-existing conditions may make you ineligible for coverage. However, once your policy is issued, coverage will not be limited or excluded for any pre-existing conditions or illnesses.

If you would like an informational packet about Long Term Care Insurance, please contact HealthChoice at:

HealthChoice Long Term Care
583 D'Onofrio Drive, Suite 103
Madison, WI 53719
Toll Free: (800) 334-7988
Local Madison: (608) 833-7988

E-mail: info@healthchoice.com
Website: healthchoice.com

Premiums

Premiums are determined by your age and health and the level of coverage you select. You pay the full premium for this insurance; there is no employer contribution.

Payment Options

Premium payments can be made through any of the following:

  • Payroll deduction (employee coverage only – you must notify payroll office of any premium changes)
  • Automatic transfer from bank account
  • Direct billing

Under federal law, long-term care premiums may not be taken on a pre-tax basis.

Providers

Currently only one long-term care provider, Mutual of Omaha, is offering a long term care insurance (LTCi) plan, called MutualCare Custom Solution, for new enrollees. For questions about the plan or to apply for coverage, please contact:

HealthChoice Long Term Care
583 D'Onofrio Drive, Suite 103
Madison, WI 53719
Toll Free: (800) 334-7988
Local Madison: (608) 833-7988

E-mail: info@healthchoice.com
Website: healthchoice.com

Other long term care insurance policies were previously offered through United of Omaha (through HealthChoice) and John Hancock (through SeniorCare). You may not enroll in these plans at this time but if you have an existing policy and have questions about your coverage, you may contact:

HealthChoice Long Term Care
583 D'Onofrio Drive, Suite 103
Madison, WI 53719
Toll Free: (800) 334-7988
Local Madison: (608) 833-7988

E-mail: info@healthchoice.com
Website: healthchoice.com

Senior Care Insurance Services Inc.
5721 Odana Road, Suite 208
Madison, WI 53719
Toll Free: (877) 578-8400
Local Madison: (608) 273-3443

E-mail: seniorcare@seniorcareinsurance.net
Website: seniorcareinsurance.net