Long-Term Care · Los Angeles, CA

Protect everything you've built

One extended illness can cost over $100,000 a year. LTC insurance keeps your savings intact and gives your family real options.

Free quote in 2 minA+ rated carriersLTC specialists
Blackstone Insurance

Average yearly cost — private nursing home in California

$122,943

Most families can't cover this out of pocket. LTC insurance means your savings stay yours.

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Coverage options

Care wherever you need it

From your living room to a full-care facility — the right policy gives you the freedom to choose.

In-Home Care
🏡

In-Home Care

Skilled nurses and aides who care for you in your own home — the most preferred option.

  • Stay at home
  • Skilled nursing
  • Personal care
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Facility Care
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Facility Care

Assisted living, nursing homes, and memory care — without draining your savings.

  • Assisted living
  • Memory care
  • Nursing homes
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Hybrid Policies
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Hybrid Policies

Combine life insurance + LTC. Never used? The benefit passes to your family.

  • Never lose premiums
  • Death benefit
  • Estate planning
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Senior couple enjoying life
Do you need LTC?

70% of people over 65 will need long-term care

  • Medicare won't cover long-term custodial care
  • Medicaid requires spending down nearly all your assets
  • Best rates are locked in during your 50s
  • Hybrid plans protect your premium either way
See my options

Medicare does NOT cover long-term care. It only pays up to 100 days of skilled nursing after a hospital stay — not ongoing help with daily living. Most people learn this too late to plan.

Why Blackstone

What makes us different

Real advice from real people who put your family and business first.

Independent agency

We're not tied to one carrier — we shop the whole market for your best fit.

Local licensed advisors

Real people in the Los Angeles area who know California insurance inside and out.

Save up to 40%

Comparing carriers means you never overpay for the same coverage.

No pushy sales

Honest advice, zero pressure. The decision is always yours.

FAQ

Common questions about long-term care

It covers help with daily activities — bathing, dressing, eating — at home, in assisted living, nursing homes, or adult day care.
A private nursing home room averages $122,943/year. Assisted living averages ~$54,000/year. Costs rise every year.
No — Medicare only covers up to 100 days of skilled nursing after a hospital stay. It does NOT cover ongoing custodial care.
In your 50s or early 60s while healthy — premiums are lower and approval is easier.
It combines life insurance with LTC benefits. If you never need care, the death benefit goes to your family — you never lose your premiums.

Plan today — while rates are low

The best time to get covered is while you're healthy. Get a free quote in 2 minutes.

Most suitable for ages 50–70