DRAFT LTC Marketing · Medicare Doesn’t Cover Most Long-Term Care CampaignApproved Thu, Oct 8, 2026 · Nothing posted, sent or switched on yet
All marketing updates
Oct 26Nov 26Nov LTC AwarenessMedicare GapDec 26Jan 27Feb 27Mar 27
Oct 15 – Dec 7, 2026 · DRAFT LTC Marketing · Paid social lead campaign

Medicare Doesn’t Cover Most Long-Term Care

Campaign theme: “Medicare Doesn’t Cover Most Long-Term Care”
Hook: Medicare Open Enrollment (Oct 15 – Dec 7) has retirees reviewing their coverage. Most assume Medicare or savings will pay for long-term care; Medicare pays only for short-term skilled care.
Converts to: new landing page (free Buyer’s Guide download and quote request)
Campaign code: MKT-2610-MEDICARE-GAP · UTM: mkt_2026_10_medicare_ltc_gap

Concept: built from the supplied “Long-Term Care Asset Protection” graphic, re-branded to DRAFT LTC Marketing’s navy and gold. Placeholder phone, “legal strategies,” and “information will never be shared” claims were replaced with the site’s real phone number, insurance-only language, and the site’s existing consent wording.

Upgraded landing page: Free Family Care Plan Review: “Medicare Doesn’t Cover Most Long-Term Care”, rebuilt on the same structure and speed standard as the other campaign landing pages, with the site’s HubSpot Quote Request form and [Agent - Advisor Name]’s 12-second video. Approved and published Oct 9, 2026 at draftltcmarketing.com/medicare-and-long-term-care/ (live version without the presenter video).

Campaign graphic: Medicare Doesn’t Cover Most Long-Term Care

Message focus: Medicare’s limit → the cost of care → three ways to protect your assets

Every channel below carries this through-line

Release dates

Runs alongside the November LTC Awareness campaign. Its Facebook post (Nov 1) and email (Nov 17) don’t fall on any date above.

Keywords, phrases & audience

Primary keyword

  • does medicare cover long term care

Secondary keywords

  • medicare long term care
  • medicare nursing home coverage
  • does medicare pay for assisted living
  • long term care insurance
  • asset based long term care
  • hybrid long term care insurance
  • annuity long term care

Long-tail phrases

  • what happens after medicare 100 days in nursing home
  • does medigap cover long term care
  • how to pay for long term care without medicaid
  • how to protect assets from nursing home costs
  • is asset based long term care insurance worth it

Negative keywords (Google Ads)

  • medicare advantage
  • part d
  • medicare enrollment form
  • medicare card
  • medicare login
  • medicaid application
  • jobs
  • careers
  • free
  • cheap
  • insurance exam
  • cna
  • caregiver jobs
  • lawsuit
Meta setup
Objective: Leads or Traffic to the landing page. Special Ad Category: Financial Products & Services (required for insurance), so no age, gender or ZIP targeting. Location: Florida statewide, or 15-mile+ radius targets around Southwest Florida, Melbourne/Palm Bay, Orlando and Tampa. Placements: Advantage+ with the 4:5 feed, 1:1, 9:16 story and 1.91:1 images below.
Who this is for
Adults 55 to 72 reviewing Medicare during Open Enrollment who assume it covers long-term care, plus adult children 40 to 60 helping a parent choose plans. The ad copy names no health conditions.
Google Ads audience
Search, Florida (licensed states only), high-intent “does Medicare cover…” questions plus long-term care insurance terms. 7am–8pm ET, call extension during office hours.
Compliance notes
Every ad and the landing page say “Not affiliated with or endorsed by Medicare or any government agency.” No government logos or names suggesting an official notice. The campaign sells no Medicare plans, so CMS Medicare Advantage/Part D marketing rules don’t apply. [Agent - Advisor Name]’s license disclosure is on the landing page and email.

Meta ad (Facebook & Instagram paid)

MKT | Oct–Dec 2026 | Medicare and long-term care | “Medicare Doesn’t Cover Most Long-Term Care” | Meta Ads · MKT-2610-MEDICARE-GAP-META

feed 1080×1350 (4:5) ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload feed 1080×1350 (4:5)

Headline (42 chars)

Medicare Doesn’t Cover Most Long-Term Care

Primary text (209 chars)

Many people assume Medicare or savings will handle care costs. In most cases, they won’t. See how asset-based LTC insurance, traditional long-term care insurance, and annuity care can help protect your assets.

Description

Free guide. No cost to compare.

Call to action button

Learn More

Website URL (tracked, feed)

https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=facebook&utm_medium=paid_social&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=meta_feed_4x5

Your supplied copy, with small style edits only: “Asset based” → “asset-based,” “Long Term Care” → “long-term care,” and a serial comma. Use utm_content meta_square, meta_story or meta_landscape when an ad uses only one image.

Optional A/B headline

Will Medicare Pay for Your Care?

Optional A/B primary text

Medicare pays for up to 100 days of skilled care after a hospital stay. Help with bathing, dressing and eating at home or in a nursing home isn’t covered. See three ways to protect your assets: asset-based LTC insurance, traditional long-term care insurance, and annuity care.
square 1080×1080 (1:1) ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload square 1080×1080 (1:1)
story/Reels 1080×1920 (9:16) ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload story/Reels 1080×1920 (9:16)

Story layout keeps text out of the top 250 px and bottom 340 px so Meta’s profile bar and reply/CTA overlay don’t cover it.

landscape 1200×628 (1.91:1) ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload landscape 1200×628 (1.91:1)

Facebook (organic page post)

MKT | Oct–Dec 2026 | Medicare and long-term care | “Medicare Doesn’t Cover Most Long-Term Care” | Facebook · MKT-2610-MEDICARE-GAP-FB

1200×628 ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload 1200×628

Post copy

Medicare Open Enrollment starts October 15, and it’s a good time to check one thing many people miss: Medicare doesn’t pay for most long-term care. Medicare covers short-term skilled care after a hospital stay, up to 100 days. Help with bathing, dressing, and eating at home, in assisted living, or in a nursing home isn’t covered, and Medigap doesn’t cover it either. A private nursing home room now runs about $129,575 a year nationally (CareScout 2025). Asset-based LTC insurance, traditional long-term care insurance, and annuity care are three ways to plan for that cost and protect what you’ve worked for. Our free guide explains how each one works. Questions? Call (xxx)xxx-xxxx.

Link headline

Medicare Doesn’t Cover Most Long-Term Care

Tracked link

https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=facebook&utm_medium=social&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=fb_post

Instagram

MKT | Oct–Dec 2026 | Medicare and long-term care | “Medicare Doesn’t Cover Most Long-Term Care” | Instagram · MKT-2610-MEDICARE-GAP-IG

1080×1350 ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload 1080×1350

Caption

Medicare doesn’t cover most long-term care. It pays for short-term skilled care after a hospital stay, up to 100 days. Help with bathing, dressing, and eating isn’t covered, at home or in a nursing home. Asset-based LTC insurance, traditional LTC insurance, and annuity care can help protect your assets. Free guide, link in bio. Questions? Call (xxx)xxx-xxxx.

Hashtags

#MedicareOpenEnrollment #LongTermCare #LongTermCareInsurance #HybridLTC #AnnuityCare #RetirementPlanning #AssetProtection #FinancialPlanning #PlanAhead #FloridaRetirement #DRAFTLTCMarketing

Link in bio (tracked)

https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=instagram&utm_medium=social&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=ig_bio_link
story 1080×1920 ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload story 1080×1920

Reminder story text · Mon, Nov 30, 2026

One week left in Medicare Open Enrollment. Medicare doesn’t cover most long-term care. See three ways to protect your assets. Free guide.

Story link sticker (tracked)

https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=instagram&utm_medium=social&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=story

LinkedIn

MKT | Oct–Dec 2026 | Medicare and long-term care | “Medicare Doesn’t Cover Most Long-Term Care” | LinkedIn · MKT-2610-MEDICARE-GAP-LI

1200×628 ad graphic: Medicare Doesn’t Cover Most Long-Term CareDownload 1200×628

Post copy

A common retirement-planning assumption: Medicare will cover long-term care. It doesn’t. Medicare pays for short-term skilled care, up to 100 days after a qualifying hospital stay, and only while daily skilled care is needed. Custodial care, the help with bathing, dressing, and eating that makes up most long-term care, isn’t covered, and Medigap doesn’t fill the gap. At 2025 national medians, a private nursing home room costs $129,575 a year (CareScout). With Medicare Open Enrollment underway (Oct 15 – Dec 7), clients are already thinking about coverage. For advisors, CPAs, and benefits leaders, it’s a natural moment to raise the long-term care question. DRAFT LTC Marketing compares asset-based LTC, traditional LTC, and annuity care options in one place. Questions? Call (xxx)xxx-xxxx. #MedicareOpenEnrollment #LongTermCareInsurance #RetirementPlanning #FinancialAdvisors #DRAFTLTCMarketing

Tracked link

https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=linkedin&utm_medium=social&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=li_post

Email campaign

MKT | Oct–Dec 2026 | Medicare and long-term care | “Medicare Doesn’t Cover Most Long-Term Care” | Email · MKT-2610-MEDICARE-GAP-EM

Send Tue, Oct 20, 2026 · HubSpot draft (unsent, no recipients yet)

Subject line

Medicare doesn’t cover most long-term care

Preview text

What Medicare pays for, what it doesn’t, and three ways to protect your assets.

CTA link (tracked)

https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=hubspot&utm_medium=email&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=em_primary_cta
Download header 1200×628 (display at 600)

Google Ads

MKT | Oct–Dec 2026 | Medicare and long-term care | “Medicare Doesn’t Cover Most Long-Term Care” | Google Ads · MKT-2610-MEDICARE-GAP-GADS

Thu, Oct 15 – Mon, Dec 7, 2026 · separate search campaign

Sponsored
draftltcmarketing.com › medicare-and-long-term-care
Medicare Doesn't Cover LTC | What Medicare Won't Pay For | Free LTC Buyer's Guide
Medicare covers short-term skilled care, not the custodial care most people need.

Headlines (15)

  • Medicare Doesn't Cover LTC26/30
  • What Medicare Won't Pay For27/30
  • Plan for Long-Term Care Costs29/30
  • Protect Your Savings From LTC29/30
  • Asset-Based LTC Insurance25/30
  • Traditional LTC Insurance25/30
  • Annuity Care Options20/30
  • Free LTC Buyer's Guide22/30
  • Compare LTC Options Free24/30
  • Licensed LTC Specialists24/30
  • Call (xxx)xxx-xxxx19/30
  • Nursing Homes: $114,975/Year28/30
  • Plan Before Care Is Needed26/30
  • Protect What You've Worked For30/30
  • No Cost to Explore Options26/30

Descriptions (4)

  • Medicare covers short-term skilled care, not the custodial care most people need.81/90
  • Compare asset-based, traditional, and annuity care options. Get the free buyer's guide.87/90
  • A private nursing home room runs $129,575 a year nationally. Plan before you need care.87/90
  • Talk with a licensed long-term care specialist. No cost to explore your options.80/90
Ad group
Medicare and Long-Term Care
Exact match
[does medicare cover long term care]
[does medicare pay for long term care]
[medicare long term care]
[does medicare pay for nursing home care]
Phrase match
"medicare nursing home coverage"
"does medicare pay for assisted living"
"medicare 100 days nursing home"
"asset based long term care"
"hybrid long term care insurance"
"annuity long term care"
Sitelinks
Get the Free Buyer’s Guide
Request a Free Quote
Cost of Care by State
Underwriting Guide
Call asset
(xxx)xxx-xxxx (US, office hours)
Final URL
https://draftltcmarketing.com/medicare-and-long-term-care/?utm_source=google&utm_medium=cpc&utm_campaign=mkt_2026_10_medicare_ltc_gap&utm_content=rsa

Image asset (square)

Google Ads square imageDownload 1080×1080

Landing page

Where every “Learn More” link goes · approved Oct 8, live and indexable

URL
Open the landing page https://draftltcmarketing.com/medicare-and-long-term-care/
What’s on it
The ad’s headline and promise, a “Get your free guide” card (Buyer’s Guide download through the site’s existing guide form), a Medicare covers / doesn’t cover comparison with the 2026 skilled nursing costs, 2025 national care costs, the three coverage options linked to the underwriting guide, a quote button, sources and [Agent - Advisor Name]’s license disclosure.
Search
Indexable and listed in the sitemap, so it can keep ranking for “does Medicare cover long-term care” after the ads end.

Sources

Medicare.gov: Long-term care coverage · Medicare.gov: Skilled nursing facility care · CMS: 2026 Medicare Parts A & B premiums and deductibles · Medicare.gov: Nursing home care · CareScout 2025 Cost of Care Survey · ACL: How Much Care Will You Need?

Disclosure (landing page and email; add to any boosted post): DRAFT LTC Marketing is operated by Your Brokerage Agency Name, Ft. Myers, FL. [Agent - Advisor Name], CLTC, Florida licensed insurance agent, License # A175981, NPN # 538220. Verify at licenseesearch.fldfs.com/Licensee/211790. This is not an offer of insurance. Coverage, rates, and eligibility are determined by the issuing carrier through underwriting. Not affiliated with or endorsed by Medicare or any government agency.