The Insurance Mom, brought to you by Alison Gordon Insurance Services, Inc, CA Lic. 0780178

First, always consult with a qualified broker, such as The Insurance Mom!

Second, buy only what is affordable.  Do not stretch to buy a policy that covers 100% of anticipated future costs.  It is much smarter to buy the amount of coverage for which you are sure you can keep making the premium payments.  It makes no sense to buy…

According to the Department of HHS, at least 60% to 70% of people over 65 will eventually need long term care, either at home or in a nursing home, and that can be very expensive.  The average stay in a nursing home is almost 4 years, at a cost of about $270,000.  Your health insurance does NOT cover this kind…