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Your partner in Long Term Care solutions.


Heartland LTC is a managed general agency specializing in long-term care solutions.  We are here to help you succeed in the long-term care marketplace.  We welcome the opportunity to earn your respect and confidence.  The more you know about Heartland LTC, the sooner we will be working together!

What is LTCi?

Long-term care insurance, or LTCi, helps provide for the cost of medical care beyond what is generally covered by typical health insurance plans, Medicare, or Medicaid.  Long-term care is care that you need if you can no longer perform everyday tasks (referred to as ADL or activities of daily living) by yourself due to a chronic illness, injury, disability, or the aging process.  Long term care also includes the supervision someone might need due to a severe cognitive impairment, such as Alzheimer's disease.

Long-term care insurance helps with the financial burden this type of care can place on families.  According to the U.S. Department of Health and Human Services (HHS), about 70% of people turning age 65 will need long-term care services at some point in their lives.  And contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of long term care services that most people need.  That's why planning is essential for people to get the care they might need.

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