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GoldenCare Long Term Care Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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Founded in 1976, Golden Care, also known as National Independent Brokers, Inc., is a leading online long-term-care insurance broker offering policies and services that can be tailored to meet the particular needs of any customer.

The company also specializes in other insurance products including critical care insurance, life and long-term care hybrid policies, life insurance, and annuities.
 
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Call: (866) 973-2304

How is GoldenCare rated?

Breakdown

4.9/5
Benefit Limits
4.8/5
Policies & Coverage
4.5/5
Customer Service

Overall Rating: 4.8 / 5 (Excellent)

GoldenCare is an online insurance marketplace that specializes in long-term care insurance products as well as critical care insurance, life and and long-term care hybrid policies, prescription drug coverages, and more.

The company, which is accredited by the Better Business Bureau and holds an A+ rating with the organization, has been helping consumers secure reliable policies from leading carriers since their inception in 1976.

If you or a loved one are considering a long-term care coverage but wish to be matched with a carrier that meets your needs and budget, GoldenCare may be the best option for you.

Policies & Coverage

Policies & Coverage - 4.8 / 5

As an online marketplace, GoldenCare offers state partnership plans, stand-alone home health care plans, nursing home plans, hybrid life and long-term care insurance policies as well as short-term nursing and home care solutions for those who are unable to perform daily living activities without supervision as a result of an accident, disability, prolonged illness, or old age.

Available policy types, optional riders, and applicable discounts will vary depending on the carrier and the policyholder's health status, yet will typically include the above-mentioned coverages as well as group products and tax-qualified plans, riders like inflation protection and return of premium, and discounts for spouses and household members.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Group
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Facility Coverage
Any Facility
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Available Discounts
Partner / Household
Preferred Health
Multi-Policy

Claims & Benefits

Benefit Limits - 4.9 / 5

Current LTC policies now feature more options and benefits than they did in the past and often cover nursing home care, home care, and adult daycare expenses.

Most policies will pay benefits due to a cognitive impairment or inability to perform daily living activities such as eating, bathing, and walking.

GoldenCare states most long-term care insurance products feature coverage for personal or custodial care, home care and care in community settings, and may even include such features as bed reservations, respite care, and one-per-lifetime elimination periods.
Maximum Daily Benefit Limit
Varies by Provider
Unlimited Lifetime Benefit Period?
Yes
Elimination Period
30 Day Minimum
Eligibility Requirements
Activities of Daily Living Limitations

Financial Strength & Ratings

Financial Strength - 4.9 / 5

GoldenCare works with leading U.S. carriers in the long-term care insurance industry to offer clients a broad range of coverages and plans that meet both their needs and budgets.

Among the top-rated insurers in GoldenCare's network are Mutual of Omaha, John Hancock, BlueCross BlueShield, Aetna, Allianz, Great American Insurance Group, Humana, Minnesota Life, Kemper, and Legal Shield, among others.
Moody's Financial Rating
A1
AM Best Financial Rating
A+
Standard & Poor's Financial Rating
AA-
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: Mutual of Omaha Insurance Company.

GoldenCare Reputation

Customer Service - 4.5 / 5

GoldenCare has been accredited by the Better Business Bureau since 1977, but has yet to receive any customer feedback aside from two complaints whose details are unavailable.

As a marketplace, however, the company has partnered with many reputable carriers that uphold high customer service standards and strive to offer some of the most reliable insurance products in the industry.

Interested parties will find the company holds high ratings with other popular customer review sites, further evidencing GoldenCare's commitment to offering knowledgeable, professional services.
BBB Rating
A+
Date Collected
2017-12-19

Contact & Additional Information

Company Type
Marketplace
Year Founded
1976
Homepage URL
http://goldencare.com/
Company Phone
(800) 331-4745
Headquarters Address
10700 Old County Rd. 15, Suite 450, Plymouth, MN, 55441

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Customer Comments & Reviews

Loading Reviews ...
chully341
6/30/2021
I've heard nothing but great comments about this company. A truly caring devoted to people!

Top Rated
Our Partner
  • Nation’s leader in Long-Term Care insurance since 1976
  • As an independent brokerage, they provide unbiased information based on your needs
  • GoldenCare has access to the Top LTC companies & discounts available
  • They also offer Hybrid Long-Term Care insurance, Short-Term Care & Home Health Care plans
(866) 973-2304
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Age Under 69 Only

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