Long-term care. Medicare Advantage. Telehealth access. Employer benefit packages. CAER guides individuals, families, and businesses through the most complex healthcare decisions of their lives — with clarity, compassion, and faith-based counsel.
70% of Americans turning 65 will need some form of long-term care in their lifetime. The average cost runs over $138,000. Medicare covers almost none of it. Without a plan, that cost falls entirely on your family.
Long-term care (LTC) refers to ongoing assistance with activities of daily living — bathing, dressing, eating, and mobility — that most people eventually need as they age, recover from illness, or manage a chronic condition. It is not the same as hospital care or short-term rehabilitation. Medicare covers up to 100 days of skilled nursing care following a qualifying hospital stay. After that, it pays nothing. Medicaid covers LTC only after a person has spent down nearly all of their assets.
This creates a significant financial gap for the vast majority of American families. A 2022 HHS study found the average person requiring long-term care will need $138,000 in long-term support services — and that families will pay for 37% of those costs out of pocket, with approximately 14% of seniors paying more than $100,000 themselves.
Long-term care insurance — including traditional LTC policies and hybrid life/LTC products — provides the financial resources to access quality care at home, in assisted living, or in a skilled nursing facility, without depleting a lifetime of savings or burdening adult children with the cost. CAER guides families through the right type of coverage at the right time in their planning journey.
Real 2026 cost of care — national median
LTC coverage options CAER places
Medicare Advantage has become the dominant form of Medicare coverage — yet 75% of beneficiaries find the selection process confusing, and one-third are unaware of the significant plan changes that occur every year.
Medicare Advantage (Part C) is a private health insurance alternative to Original Medicare, offered by insurance companies approved by the federal government. Plans are required to cover everything Original Medicare covers, and most offer additional benefits including dental, vision, hearing, and prescription drug coverage — often at a $0 monthly premium beyond the standard Part B premium.
As of February 2026, just over 35 million Americans are enrolled in Medicare Advantage — representing 51% of all Medicare beneficiaries. But the market is in flux. In 2026, the number of $0-premium plans decreased by nearly 10%, while significant benefit reductions occurred across many plans. Beneficiaries who did not actively compare options may now be paying more for less coverage than they realize.
CAER's Medicare guidance service helps clients navigate the Annual Enrollment Period (AEP — October 15 through December 7), understand the real differences between Original Medicare, Medicare Advantage, and Medicare Supplement plans, and select a plan that fits their specific healthcare needs, medications, and preferred providers — without overpaying for coverage they don't need or missing benefits they deserve.
The $1,600 opportunity hiding in plain sight
According to eHealth's 2026 open enrollment analysis, beneficiaries who comparison-shopped their Medicare Advantage plan during the Annual Enrollment Period potentially saved an average of over $1,600 per year. Most people never comparison-shop — they stay in their current plan by default, even when a better option is available.
Medicare comparison — know the difference
Key enrollment windows CAER monitors for you
By the end of 2026, 25–30% of all U.S. medical visits are expected to happen virtually. Telehealth is not the future of healthcare — it is the present. CAER bundles telehealth access into family and employer protection plans at a fraction of retail cost.
Telehealth provides access to licensed physicians, mental health professionals, and specialist consultants through video, phone, or secure messaging — typically within minutes, not days. For families, it eliminates the barrier of scheduling, travel, and wait time for routine care. For employers, it reduces absenteeism, lowers urgent care costs, and increases benefit satisfaction at a low per-employee cost.
CAER coordinates telehealth access as a bundled add-on to life insurance, benefit packages, and family protection plans. Telehealth is consistently one of the highest-valued benefits among both employees and individual policyholders — and one of the lowest-cost ways to demonstrate genuine investment in the health of the people who matter to you.
Telehealth is particularly important for families in CAER's nine licensed states, many of which include rural communities where primary care access and specialist availability are genuinely limited. Virtual care removes those geographic barriers entirely.
What telehealth typically covers
Urgent care and sick visits · Prescription refills · Mental health counseling · Chronic condition management · Pediatric consultations · Dermatology · Nutritional counseling · Follow-up care · Second opinions · Behavioral health support
Why CAER includes telehealth in every family plan
Health insurance premiums are rising 18% in 2026. Employee retention is the #1 HR priority. And 41% of workers say benefits are more important than salary when deciding whether to stay. CAER helps employers build the package that attracts talent and protects the bottom line.
Employer benefits consulting is not just about selecting a health plan. It's a strategic exercise that balances the cost of attracting and retaining talent against the cost of turnover, which runs six to nine months of salary for every departed employee. CAER approaches employer benefits as a retention and risk management tool — not just a compliance requirement.
Our employer consultation begins with a full review of your current benefits spend, workforce demographics, and competitive landscape. We then design a package that maximizes perceived employee value while managing your actual cost of employment — using the full range of available mechanisms: fully-insured group plans, level-funded arrangements, health reimbursement arrangements, voluntary benefits at no employer cost, and supplemental insurance.
CAER is licensed across nine Southeast states — meaning your consultation is delivered by an advisor who knows your specific market, your labor competition, and the regulatory environment you're operating in.
CAER employer benefits consultation — what we cover
Whether you're a senior navigating Medicare, a family planning for long-term care, or an employer designing a benefits package, every CAER engagement follows the same five-step process.
Fill out the form and a CAER Health Coverage advisor will follow up within one business day. Whether you're researching LTC for the first time, comparing Medicare plans, asking about telehealth, or building an employer benefits package — we're ready to guide you.