AARP Long-Term Care Insurance

AARP’s long-term care plan has pros and cons. We help you evaluate it against highly rated alternatives so you can feel confident in your choice.

  • Learn how AARP’s long-term care plan works
  • Compare benefits and pricing to other leading insurers
  • Find options that fit your age, health profile, and budget

Trusted Long-Term Care Advisors Since 1995

For over 30 years, ACACIA has helped thousands of families review long-term care options and coverage from highly rated insurers with clarity and confidence.

✔ Licensed specialists serving AARP members in 48 states

✔ Independent comparisons across leading long-term care insurers

✔ Pressure-free guidance to help you make the best choice for your needs

No cost • Licensed specialists in 48 states

Long-Term Care Planning Guide

Long-term care insurance quotes and shopper's guide.You’ll also get a complimentary copy of our e-book, “What You Need to Know About Long-Term Care Insurance.”  A helpful resource to make informed decisions.

What Clients Say About Working With Our Specialists

  • Tom S. ★★★★★
    If you are shopping for long-term care insurance, then I strongly recommend that you contact Craig Matesky at ACACIA Insurance … More Services. Craig helped me get the best policy for my needs and budget. He is knowledgeable, friendly, and was always available to address my concerns. Thanks Craig!
  • Caitlin W. ★★★★★
    I have had the good fortune to work with Rhona Unsell in getting my LTC policy. Ms. Unsell is a true professional – her expertise, … More her ability to listen and to provide accurate information – all were so valuable to me. In making important life decisions, qualities like trust, knowledge, and the understanding of how to listen to a client’s needs are critical. Rhona has all these qualities and more. I strongly recommend Ms. Unsell to anyone looking for excellent ongoing service and a caring attitude.
  • Jason S. ★★★★★
    With the new long term care laws passed in Washington State, I was in the market for private LTC insurance. I worked with … More Michael Berger and I was blown away with how hard he worked to get me a plan that met my needs. As the market changed during this process, he was always the first on the phone explaining options and walking through what's next. I was able to get a great plan, at a great price, and can't recommend him and this group enough!

Google reviews for ACACIA Insurance.

Learn More About Long-Term Care Planning

Long-term care needs and costs continue to rise. Understanding what to expect can help you plan ahead confidently.
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70% of People Will Need Care

If you’re turning 65 today, there’s nearly a 70% chance you’ll need some form of long-term care in your lifetime. The average duration is 3 years.1

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Costs are Rising Quickly

In 2025, the national average cost for 3 years of long-term care is $328,884. By 2045, that’s expected to rise to $654,411.2  Planning ahead helps protect your finances.

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Protect Your Assets and Family

Medicare and traditional health insurance don’t cover most long-term care costs. A well-structured plan can help preserve your assets and reduce the financial burden on your loved ones.

Get a Complimentary LTC Insurance Guide With Your Comparison

A practical resource to help you understand coverage, compare options, and plan for future care needs.

Long-term care insurance shopper's guide.

 

Start Your AARP LTC Comparison

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1. 2025 U.S. Department of Health and Human Services (www.acl.gov/ltc)
2. 2025 Nationwide Financial annual cost of care survey conducted by HVS