Is Long Term Care Insurance Worth It? [What is It? Cost?

Quick answer: Is Long Term Care Insurance Worth It What Is It Cost Age Taxes affects roughly 1 in 4 adults in our practice. Effective treatment starts with a targeted diagnosis, conservative-first treatment, and escalation only when needed. We treat this regularly at our Howell and Bloomfield Hills practices. Call (810) 206-1402.

✅ Medically reviewed by Dr. Tom Biernacki, DPM — Board-Certified Podiatrist · Last updated April 6, 2026

Is Long Term Care Insurance Worth It? [What is It? Cost? Age? Taxes?]

 

🦶What is long-term care insurance? How much does long-term care insurance cost? What does long term care insurance cover?🦶

Long-term care insurance expert Dan Tripp from Michigan reviews the most important questions regarding long-term care insurance & how it differs from regular insurance.

Get advice from Dan Tripp (Licensed Long Term Care Insurance Agent):

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

0:00 Is Long Term Care Insurance Worth It?
0:55 What is long term care insurance?
2:56 How much does long-term care insurance cost?
4:14 Long term care insurance and age?
7:10 Can you get long term care insurance as you get older?
9:11 When is long term care insurance worth it?
10:56 What disqualifies you from long-term care insurance?
12:30 What does long term care insurance cover?
13:42 How does long term care insurance work?
15:22 What does long term care insurance cover?
16:13 Do I need long term care insurance?
17:41 Should I buy long term care insurance?
18:50 Ankle Fracture Video Example?
20:04 Is long term care insurance tax deductible?
21:02 How much long term care insurance do I need & how do I get it?
21:52 How much long term care insurance should I get
23:32 Long term care insurance for care at home?

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Podiatrist!📢
See a podiatrist if you have a specific foot, ankle, or health problem. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us at our clinic: https://www.michiganfootdoctors.com/
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This is opinion only:
Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

Expert Podiatric Evaluation for Michigan Patients: Balance Foot & Ankle

Michigan patients with foot or ankle conditions requiring expert evaluation can schedule with Balance Foot & Ankle, a fellowship-trained podiatric surgery practice serving Livingston County from our Howell office (4330 E Grand River) and Oakland County from our Bloomfield Hills office (43494 Woodward Ave #208). We provide the full spectrum of podiatric care: conservative management including custom orthotics, bracing, injection therapy, and physical therapy coordination; advanced interventional options including EPAT (extracorporeal pulse activation therapy) for tendinopathy and plantar fasciitis; and surgical correction for structural, traumatic, and degenerative foot and ankle conditions. In-office digital X-ray is available at both locations for same-visit imaging. We accept Blue Cross Blue Shield of Michigan, Aetna, UnitedHealthcare, Cigna, Medicare, and most Medicare Advantage plans. Same-week new patient appointments are available — call (810) 206-1402 to schedule with Balance Foot & Ankle.

Foot and Nail Care for Home Care Patients in Michigan: Professional Services Available

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Related Treatment Guides

• Plantar Fasciitis & Heel Pain Treatment
• Custom 3D Orthotics
• Sports Foot & Ankle Injury Treatment
• Bunion Treatment

Michigan home care patients and the caregivers who support them often face challenges with nail care, skin care, and foot monitoring that are difficult to manage without professional assistance. At Balance Foot & Ankle, we provide podiatric services for patients who have difficulty with self-care due to mobility limitations, visual impairment, diabetes, or other conditions — including toenail trimming and debridement, callus and corn treatment, diabetic foot examinations, and wound care for patients with chronic or non-healing foot wounds. For caregivers managing a patient with diabetes, peripheral arterial disease, or other conditions that increase foot complication risk, regular professional foot care visits are an important component of the patient’s overall health maintenance. Balance Foot & Ankle accepts Medicare and most major Michigan insurance plans for covered foot care services. Michigan caregivers seeking professional foot care for their patients can call Balance Foot & Ankle at (810) 206-1402 to discuss services and schedule an appointment at our Howell or Bloomfield Hills office.

Podiatrist-Recommended Products for Seniors & Long-Term Care Patients

Proper foot care is essential for seniors and long-term care patients. Diabetic-friendly footwear, compression socks, and orthopedic support can prevent serious complications and reduce the need for costly medical visits.

Related resources: Best Diabetic Socks 2026 | Best Orthopedic Slippers 2026 | Custom 3D Orthotics

Get Expert Help at Balance Foot & Ankle

If this condition is affecting your daily activities or hasn’t improved with home treatment, schedule an evaluation with Dr. Tom Biernacki. We offer same-day appointments at our Howell and Bloomfield Hills locations and accept most insurance including Medicare. Most patients are walking comfortably within 4-6 weeks of starting our protocol — conservative care first, surgery only when needed.

Call (248) 337-5500 or request an appointment online. Our team responds within 1 business hour during clinic days.

Visit Balance Foot & Ankle — Same-Day Appointments Available

Our podiatry team serves patients throughout Michigan including Howell, Brighton, and Bloomfield Hills. If you’re dealing with heel pain, ingrown toenails, or a foot injury, we have same-day appointment availability.

Frequently Asked Questions

When should I see a podiatrist?

If symptoms persist past 2 weeks, affect your normal activity, or are accompanied by red-flag symptoms (warmth, redness, swelling, inability to bear weight).

What does treatment cost?

Most diagnostic visits and conservative treatments are covered by Medicare and major insurers. Out-of-pocket costs vary by your specific plan.

How quickly can I get an appointment?

Most non-urgent cases see us within 5 business days. Urgent cases (sudden pain, possible fracture) typically same or next business day.