Your Long Term Care Planning Advisor

Long Term Care Planning is Important!
Health Insurance, Medicare and Medicaid
are not options.

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Let Best CoverAge show you the options for living your future the way you planned.

Taking care of parents unable to care for themselves, handling an unplanned medical event, ongoing
live-in or nursing home care—all are reasons to create a long term care plan now. Best CoverAge is
your answer to long term care (LTC) planning.

We serve as your resource by helping you through the process:
  • Assess your long term care needs
   Develop the right plan for your needs
  • Evaluate long term care insurance
Long Term Care Planning
Long term care is something that should be researched before you need it. If you’re not prepared it can be expensive, complicated, emotional and disruptive to your daily routine. Sometimes life is unpredictable; that’s why it’s best to plan ahead.
Long Term Care Costs
When it comes to the rising costs of long term care, it is important to understand that traditional health insurance is not designed to cover long term care. Medicare and Medicaid were also not designed to adequately cover long term care costs. Knowing the options available for covering long term care expenses is critical to helping ensure you don’t deplete your life savings.
Long Term Care & the LGBT Community
While we all face challenges as we age, the LGBT community may be at a greater risk due to inadequate programs and complicated laws that do not provide equal protection. Many couples do not have children or family members to provide the necessary support making planning for long term care critical.
Sandy Essex, CLTC, advises her clients on the many plans and offerings associated with Long Term Care that impacts themselves and their loved ones in all 50 states.


What will your children do if you can’t care for yourself?
Now imagine how much easier life will be if you’re prepared.
What if your family encountered a catastrophic event?
Now imagine not putting a price tag on a sense of security.
How long can you afford ongoing nursing or in-home care?
Now imagine spending your life savings they way you intended.
Now is the time to consider long term care insurance coverage so that you can live life on your own terms. I take a personal approach to ensuring you and your loved ones have the right protection
My mission is to help educate as well as protect consumers from potentially significant financial and psychological costs of long term care. It is my goal to help families and individuals make well-informed choices when it comes to protecting their financial future. Not everyone realizes that long term care planning should take place before they reach a point where they become uninsurable.
I am committed to helping you and your loved ones make your own well-informed choices regarding this complex subject while you are still active and healthy enough to act.

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