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    <lastmod>2020-10-12</lastmod>
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    <loc>https://www.jtcfinancialgroup.com/privacy-policy</loc>
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    <lastmod>2020-08-10</lastmod>
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    <lastmod>2020-12-30</lastmod>
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      <image:title>Medicare</image:title>
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      <image:title>Medicare - Medicare Part A Hospital Insurance</image:title>
      <image:caption>Part A helps cover inpatient care in hospitals, 100 days of care in a skilled nursing facility hospice, and home health care. Even when Medicare pays the cost of a service or item, you generally have your own portion to pay, in the form of deductibles, coinsurance and copayments.</image:caption>
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      <image:title>Medicare - Medicare Part B Medical Insurance</image:title>
      <image:caption>Part B helps cover doctor’s services and outpatient care, medical supplies, and some preventive care to help maintain your health. Medicare Part B covers health care costs like: Services from doctors and other health care providers Outpatient Care Home Health Care Durable Medical Equipment Ambulance Services Preventive Services Even when Medicare pays the cost of a service or item, you generally have your own portion to pay, in the form of deductibles, coinsurance and copayments.</image:caption>
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      <image:title>Medicare - Medicare Part C Medicare Advantage</image:title>
      <image:caption>(Medicare Advantage Plans, like HMO or PPO’S) is a health coverage plan run by private companies under contract with Medicare. Part C plans include Medicare Part A, Part B, and usually other coverage like prescription drugs</image:caption>
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    <loc>https://www.jtcfinancialgroup.com/annuities</loc>
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    <lastmod>2020-09-28</lastmod>
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      <image:title>Annuities</image:title>
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    <loc>https://www.jtcfinancialgroup.com/life-insurance</loc>
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    <lastmod>2020-12-30</lastmod>
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      <image:title>Life Insurance</image:title>
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      <image:title>Life Insurance</image:title>
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    <loc>https://www.jtcfinancialgroup.com/long-term-care-insurance</loc>
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    <lastmod>2020-10-08</lastmod>
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      <image:title>Long Term Care - Here are just a few examples of average expenses for seniors requiring long-term care: The national median cost of assisted living is $4,000/month or $48,000/year. On average, a private room in a nursing home costs about $8,365/month, or $100,380/year. Home Health aides typically charge $20.50/hour for their services. Seniors often spend $50,668/year on home health aides. The average daily cost of adult day health care centers is $68. The average cost of cancer treatment is around $150,000 in total. Additional treatment for Alzheimer’s disease can increase assisted living center costs by as much as $1,000/month.</image:title>
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