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Snarky Brides

Insurance

These Knotties are discussing everything from celebrity gossip to pressing world issues and everything in between.

our insurance agent wants to meet with us to discuss future needs because he says the cost of long term care is going to up 80% next month. I want to do some research before we meet but haven't found

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Snarky Brides

Insurance

These Knotties are discussing everything from celebrity gossip to pressing world issues and everything in between.

our insurance agent wants to meet with us to discuss future needs because he says the cost of long term care is going to up 80% next month. I want to do some research before we meet but haven't found

Cat:Wedding BoardsForum:17

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Forums > Wedding Boards > Snarky Brides > Insurance

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Insurance

posted at 2/10/2012 11:45 AM EST on theknot.com

Dot Dash

Joined on
11-18-2010
NORTHERN CALIFORNIA

5106257169869321

Posts: 5719

First: 11/18/2010

Last: 5/25/2012

our insurance agent wants to meet with us to discuss future needs because he says the cost of long term care is going to up 80% next month. I want to do some research before we meet but haven't found anything conclusive so far on line.

Does anyone work in insurance on SB that might have some insight on this? Any recommendations on where I should look to see if he's telling the truth or just trying to scare me into buying something now that I hopefully don't need for years to come?

"Go get butthurt over something crazy, react stupidly, and when the person doesn't instantly become your BFF, tell them to stop being a princess. That is clearly how it's done." Brandi

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Re: Insurance

posted at 2/10/2012 11:50 AM EST on theknot.com

kodakitty

Joined on
06-10-2010
NORTHERN CALIFORNIA

6065117894460588

Posts: 6930

First: 10/20/2010

Last: 5/16/2012

This is medical insurance right? Buying more medical insurance isn't going to change the price of long term care that a hospital and other medical providers charge. You'll just be better insured so that your out of pockets expenses are less. Do you feel like you need better coverage at this point in your life? I'd take a look to see what type of coverage you already have. Compare what you have with what you feel you need and go from there.

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Re: Insurance

posted at 2/10/2012 12:01 PM EST on theknot.com

alynne1113

Joined on
10-30-2010

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First: 2/12/2011

Last: 5/22/2012

I work in property and casualty, and now commercial risk assessment for insurance so if it was any other kind but medical I would have been able to help : ( and I live in alberta so no medical insurance here but what Koda said sounds logical and I would probably go with her advice.

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Re: Insurance

posted at 2/10/2012 12:01 PM EST on theknot.com

rachers1017

Joined on
08-02-2011
ARKANSAS

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Posts: 6718

First: 8/2/2011

Last: 5/24/2012

I work for an insurance brokerage. We deal with long term care and life insurance. Is that sort of what you're talking about?

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Re: Insurance

posted at 2/10/2012 12:48 PM EST on theknot.com

allisong23

Joined on
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BOSTON

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Last: 5/24/2012

In Response to Re: Insurance:

Not really the same. Long term covers the costs above and beyond what health insurance covers. Your health insurance will only cover x number of days in a skilled or long term facility. Long term covers the rest.

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Re: Insurance

posted at 2/10/2012 12:50 PM EST on theknot.com

allisong23

Joined on
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BOSTON

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First: 12/3/2009

Last: 5/24/2012

Dot, long term costa are rising, but not that much. We are in the process of putting my grandmother in long term care,and I am sure they would have mentioned if it was going up 80% in a few weeks. I am calling BS.

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Re: Insurance

posted at 2/10/2012 1:06 PM EST on theknot.com

Dot Dash

Joined on
11-18-2010
NORTHERN CALIFORNIA

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First: 11/18/2010

Last: 5/25/2012

yes I meant long term health coverage not my regular medical. I get my medical through work. Cuyrrently I do not have long term health and my agent called and said he wants to talk with me about it because he claims that premiums are going up for this kind of coverage as much as 80% in March. I think if this were a fact that we would have heard something about it in the new. Any major industry that has an across the board 80% hike in prices would be news worthy I would think.

I'm going to meet with him and make him prove his statement but I think it is unlikely that I will buy now. I am going to increase my life insurance though. How much is enough do you think?

"Go get butthurt over something crazy, react stupidly, and when the person doesn't instantly become your BFF, tell them to stop being a princess. That is clearly how it's done." Brandi

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Re: Insurance

posted at 2/10/2012 10:09 PM EST on theknot.com

chirpchirp

Joined on
10-26-2008
NORTH CAROLINA

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Last: 5/4/2012

I know I'm really late to this but Dot, I absolutely, 100% call BS on it from my own professional standpoint. Ask him for proof in that number, or literature to read that would support his "facts". Like Alli said, LTC costs are rising, but they do not jump 80% in one month. Also, shop around. It's good that you're considering LTC insurance now but do your homework on this one and get second and third opinions too. Also, try looking for a provider who does not use a proprietary product so they aren't biased in what they offer you.

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Re: Insurance

posted at 2/11/2012 1:38 AM EST on theknot.com

Dot Dash

Joined on
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First: 11/18/2010

Last: 5/25/2012

Thanks chirp

"Go get butthurt over something crazy, react stupidly, and when the person doesn't instantly become your BFF, tell them to stop being a princess. That is clearly how it's done." Brandi

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