Flexible Coverage for Right Now—or Years to Come.

Short Term & Long Term Care Insurance

Whether you need temporary protection during a life transition or long-term support for future care needs, we’re here to help you understand your options. At Flaxbeard Insurance Advisors, we guide clients across Nebraska through both short-term medical and long-term care plans with clarity and compassion.

Simple Coverage for Life’s In-Between Moments

Short Term Medical Insurance

A woman is standing in a hallway looking at her cell phone.
A man and a woman are looking at a laptop computer in a kitchen.

Short term health plans provide limited, temporary insurance—ideal for:

  • Gaps between jobs
  • Waiting periods before new employer benefits start
  • Early retirees not yet eligible for Medicare
  • Unexpected lapses in coverage


We’ll help you evaluate:

  • Monthly premiums and deductibles
  • Coverage limitations and exclusions
  • How long coverage can last based on your situation



Short term plans aren’t a long-term solution, but they can be a cost-effective way to stay protected until more permanent coverage is in place.

Planning Ahead for the Care You May Need Later

Long Term Care Insurance

Long term care insurance helps cover the cost of services like:



  • In-home assistance with daily tasks
  • Nursing home care
  • Assisted living facilities
  • Adult day care services


These services aren’t covered by Medicare, and the costs can add up quickly. A long term care policy can help preserve your savings and give your family peace of mind.


We’ll walk you through:

  • What’s covered and what isn’t
  • How benefit periods and daily limits work
  • Policy types (traditional vs. hybrid) and how they fit into your financial plan
Protection for Transitions, Aging & Everything In Between

Who These Plans Helps Most

These coverage options are especially helpful if:



  • You’re between major medical plans or just lost coverage
  • You want to reduce the financial burden of future caregiving needs
  • You have a family history of long-term illness or disability
  • You’re looking for flexible, affordable options


We tailor our recommendations based on your age, health, goals, and how coverage fits into your broader insurance strategy.

Why Work With Us

Local Advice. Real Clarity. No Pressure.

Choosing temporary or long-term insurance can be overwhelming—but you don’t have to figure it out alone.

We’re here to listen, explain, and guide you with:


  • Personal plan comparisons
  • Clear breakdowns of costs and benefits
  • Help updating or reevaluating your plan as life changes
FAQ
  • How long can I have short term insurance?

    In Nebraska, short term plans typically last up to 12 months and may be renewable for a limited time. We’ll explain your specific options.

  • Is long term care insurance worth it?

    It depends on your financial goals, age, and health history. We’ll help you weigh the pros and cons and decide if it fits into your plan.

  • Can I combine short term coverage with other plans?

    Yes. We’ll help you bridge gaps safely and make sure you don’t leave important coverage behind.

  • When should I buy long term care insurance?

    Ideally in your 50s or early 60s—before health issues develop and premiums rise. But it’s never too late to start the conversation.