Overview
Long-term care (LTC) services (home health care, skilled nursing services or assistance with daily activities) can be challenging to understand and manage, and can be expensive if you’re not prepared.
Our partnership with Long-Term Care Resources provides you and your family members (spouse/partner, adult children, parents and parents-in-law) with access to a complimentary, one-of-a kind solution to help protect your retirement funds and assets, as well as manage your care: LTCRplus.
With LTCRplus, you can get assistance with care you may need now or in the future. Plus, it will help you save money and time, while protecting your family, with access to these four free powerful tools:
LTC FundingSM
LTC NavigationSM
LTC CareAuditSM
LTC LegalSM
Contact Information
We’re here to help! Please contact us in whatever manner is most convenient for you.
Program Administrator Address
ASME Insurance Program Administrator
AMBA Administrators, Inc.
4050 114th Street
Urbandale, Iowa 50322
Phone
Hours
M-F 8am-7pm CT
Opening Hours
Monday - Friday 8:00 AM - 5:00 PM CT
Frequently Asked Questions
Answers about the program, including eligibility, options, customer service and more.
I’m young and healthy, why should I consider LTCRplus now?
Because you can’t tell when you’ll need help. You may need it in three years or three days; it’s impossible to predict how long you’ll be in good health or if you’ll suffer from long term effects of an accident or debilitating disease. The sooner you start planning for the unexpected in the future, the more prepared you’ll be to manage your care.
What happens if I wait to plan for my long-term care needs?
- Your risk of being ineligible for any type of financial assistance including insurance may increase.
- The overall cost of insurance coverage will increase because premium rates are based on your age when you apply.
- If you don’t qualify for insurance because of a health concern, you could be left responsible for the cost of care if you need long term care services.
- Your family may sacrifice income by reducing their hours at work to care for you and you may become a burden to them.
Won't the Federal Government pay for my long-term care?
Medicare provides minimal financial support for LTC services. Medicare was designed to pay for acute medical conditions and post-rehabilitative care; it was not intended to pay for costs associated with LTC. To qualify for nursing home care under Medicare, a three-day hospital stay is required, and care must be rehabilitative in nature. If these conditions are met, Medicare will pay for the first 20 days. Days 21-100 require a co-payment. There is no coverage after day 100.