Open Care Senior Plan Reviews (2026): Costs, Waiting Period, and Better Alternatives
Danny Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
5-10 minute read | Disclosures
- ✅ Nationally licensed life insurance expert with over 30 years of experience
- ✅ Founder of PinnacleQuote Life Insurance Experts
Danny Ray is a nationally licensed life insurance expert and the Founder of PinnacleQuote Life Insurance Experts. With over 30 years of industry experience, he has helped thousands of families across all 50 states secure tailored life insurance solutions—specializing in final expense, term life, and impaired risk underwriting. Danny regularly writes educational content on life insurance, financial planning, and consumer protection. He has been featured as an expert source in leading publications including Forbes, Yahoo Finance, MarketWatch, Nasdaq, GoBankingRates, AOL, and MSN, where his insights help consumers make confident, informed decisions. As the architect of PinnacleQuote.com and insuranceForBurial.com, Danny is known for building transparent, client-first digital experiences that simplify the life insurance process. He is also the voice behind several national campaigns focused on educating seniors and families about affordable, no-pressure coverage options.
If you enrolled today, would your policy pay from day one—or make your family wait two years?
This review explains what Open Care actually sells, how pricing and waiting periods work, and how to secure immediate coverage with the right carrier fit.
Review the brochure carefully and compare with A-rated carriers before choosing a plan.
What Is Open Care (Agency vs. Insurance Company)?
Open Care promotes “senior plans,” but it is a marketing/agency, not an insurer. Policies are issued by third-party carriers, and underwriting rules, pricing, riders, and waiting-period terms depend on the actual carrier Open Care places you with.
What Open Care Advertises:
- Guaranteed Acceptance: No medical exams required for certain plans.
- Affordable Rates: Plans start at “just $7.49 per month,” though actual costs vary.
- Final Expense Coverage: Designed to help cover funeral and medical bills.
While Open Care acts as a middleman, the policies sold through their service are typically underwritten by well-known insurance companies like Mutual of Omaha, SBLI, and Foresters.
“No Exam” vs. “No Health Questions” (Key Difference)
Most consumers are not fully aware of how these terms work, and often they think they mean the same. Above all, they don’t.
- No Exam: No medical exam; health questions still apply. If approved, benefits are day one (level).
- No Health Questions (Guaranteed Issue / GIWL): Acceptance without questions; always a two-year waiting period for natural death (premium refund + interest during the wait).
How Does Open Care Final Expense Insurance Work?
Open Care primarily offers final expense insurance (also called burial insurance) to seniors between ages 50 and 85. These policies provide small coverage amounts, typically ranging from $2,000 to $50,000, to help pay for funeral costs, outstanding debts, or medical expenses.
- No Medical Exam: Most applicants qualify based on health questions alone.
- Fixed Premiums: Monthly payments remain the same for life.
- Immediate or Graded Coverage: Some policies offer immediate benefits, while others have a 2-year waiting period for full coverage.
Open Care Senior Plan Rates: How Much Does It Cost?
Pricing for Open Care Senior Plans varies based on age, gender, smoking status, and coverage amount. While Open Care advertises plans starting at $7.49 per month, most seniors will pay higher premiums depending on these factors.
Sample Monthly Rates for a $8,000 Policy:
Guaranteed issue plans (no health questions) typically cost 20-30% more than medically underwritten policies.
*Ballpark Quote
Is Open Care Senior Plan Legit?
While Open Care does provide access to real insurance policies, there are important things to consider:
Pros:
✅ No medical exams required.
✅ Accepts applicants up to age 85.
✅ Policies available even for individuals with pre-existing conditions.
Cons:
❌ Not an insurance company—Open Care is a marketing agency.
❌ Misleading pricing—Actual costs may be much higher than advertised.
❌ Aggressive sales tactics—Many customers report frequent follow-up calls.
Open Care Senior Plan Reviews: What Are Customers Saying?
Customer feedback on Open Care is mixed.
✅ Positive Reviews:
- Affordable options for seniors needing burial insurance.
- Simple online application process.
❌ Negative Reviews:
- Many customers report misleading advertising—actual policy costs are often higher than quoted.
- Aggressive telemarketing—some seniors receive daily follow-up calls.
- Delays in policy documents—some policyholders wait weeks for confirmation.
*Ballpark Quote
Alternative Final Expense Insurance Providers
If Open Care doesn’t seem like the right fit, consider these well-known final expense insurance providers:
- Mutual of Omaha – Highly rated company with competitive final expense rates.
- Aetna – Offers guaranteed acceptance policies with no medical exam.
- SBLI – Provides no-medical-exam coverage for seniors with health conditions.
“Compare the Best Final Expense Insurance Options!”
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FAQs
Yes, but it is a marketing company, not an actual insurer. They connect customers with third-party insurance providers.
Prices vary by age and coverage, but a $10,000 policy typically costs $25 to $75 per month.
Companies like Mutual of Omaha, AIG, and Aetna offer direct burial insurance policies.
No, but your health status may affect pricing.
No, Open Care connects you with third-party insurers.
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GET QUOTE PRE-APPROVED QUOTE SCHEDULE A CALLConclusion
Open Care Senior Plan is not an actual insurance company but a marketing agency that connects seniors with final expense policies from other providers. While they may offer convenient coverage options, many customers report higher-than-expected premiums and persistent sales calls.
If you’re looking for a trusted final expense policy, consider Mutual of Omaha, Foresters, or Aetna for more transparent pricing and direct policies.
Are you looking for a reliable final expense insurance plan? Call us, 855-380-3300.
4 Comments
MARCIA CARLSON-RINCK
Interesting.
Lucille Frazier
Very interested
hakan
Stay away from opencare by any means as they don't give promotional offers to their customers.