The top-rated long-term care insurance agent in Ventura, California is Salena Bracamontes - State Farm Insurance Agent, rated 5.0 stars across 551 reviews. Other highly rated options include AAA Ventura Insurance and Member Services, Forward Insurance Agency, Best Access Insurance. This directory lists 18 long-term care insurance agents serving Ventura.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Salena Bracamontes - State Farm Insurance Agent | 10235 Telephone Rd D | (805) 647-7600 |
| 2 | AAA Ventura Insurance and Member Services | 1501 S Victoria Ave | (805) 644-7171 |
| 3 | Forward Insurance Agency | 2686 Johnson Dr #201 | (805) 292-3377 |
| 4 | Best Access Insurance | 3445 Telegraph Rd #102 | (805) 650-9411 |
| 5 | Venture Casualty Insurance Services | 1567 Spinnaker Dr suite 201 | (855) 602-0222 |
| 6 | American Legacy Solutions | 5808 Telephone Rd 2nd Floor | (855) 534-2295 |
| 7 | Direct Service Insurance | 1629 E Main St Suites B and C | (805) 641-0422 |
| 8 | Sather's Insurance Service | 5725 Ralston St Ste 214 | (805) 644-8600 |
| 9 | LATINOS INSURANCE AGENCY | 500 N Ventura Ave suite A | (805) 667-8620 |
| 10 | Kenton Insurance | 2047 E Thompson Blvd | (805) 652-1400 |
Salena Bracamontes - State Farm Insurance Agent serves the Ventura, California area, providing long-term care insurance to help clients plan for future care needs. The agency guides individuals through policy options that can cover assisted living, nursing home, or in-home care. These plans are designed to protect savings while offering flexibility in care choices. Salena Bracamontes - State Farm Insurance Agent also handles life insurance and Medicare supplement policies, ensuring comprehensive coverage for aging-related expenses.
AAA Ventura Insurance and Member Services provides long-term care insurance guidance and policy placement for individuals planning for future care needs. Its service offerings include personalized consultations to help clients understand coverage options and ongoing policy reviews to adjust plans as circumstances change. The company serves residents and property owners throughout the Ventura area, supporting single-family homes, apartments, retail establishments, and restaurants in their long-term care planning.
Seniors, families, and caregivers in Ventura seeking to protect their assets for future health needs work with Forward Insurance Agency. The agency offers guidance on long-term care insurance policies that help cover home care, assisted living, and nursing facility expenses. Advisors analyze individual health histories and financial situations to match clients with suitable coverage plans. Understanding Medicare and Medicaid limitations is part of their consultations, ensuring families have a comprehensive strategy. This long-term care insurance agent also serves clients throughout Oxnard and surrounding Ventura County communities.
Serving Ventura and its surrounding communities, Best Access Insurance handles long-term care insurance coverage for local residents. The company helps individuals plan for future care needs by reviewing different policy options available in the area. As a long-term care insurance agent, it assists clients with understanding coverage for nursing home stays, assisted living facilities, and home-based care. Typical jobs begin with a personalized consultation to assess each client's long-term care goals and financial situation, then matching those needs with appropriate policies from available carriers.
Venture Casualty Insurance Services specializes in arranging long-term care insurance policies for individuals in Ventura, California. The agency guides clients through selecting plans that help cover extended medical and personal care needs not typically paid for by standard health insurance. It assists with comparing coverage options from various carriers to help protect personal assets from the high costs of assisted living or nursing home care. Many families seek its support when facing the approaching need for care for an aging relative.
American Legacy Solutions in Ventura, CA assists clients in understanding the distinctions between one-time policy purchases for immediate coverage and recurring premium payment options that maintain long-term benefits. As a long-term care insurance agent, the company helps local families plan for the expense of assisted living, nursing homes, and in-home care. Services address the rising costs of extended care in California. The firm serves clients on an as-needed basis for policy reviews and coverage selection.
As Ventura’s population ages, many families begin to weigh the financial impact of future care needs, making long-term care planning a growing seasonal concern. Direct Service Insurance helps local residents navigate these critical decisions by reviewing policy options tailored to individual health histories and financial goals. Their role as a long-term care insurance agent includes explaining coverage structures, premium variations, and benefit triggers throughout a client’s retirement years. Every review begins with a comprehensive assessment of current assets and potential future care scenarios to identify the most suitable plan.
Sather's Insurance Service in Ventura, California assists clients with planning for future care costs through long-term care insurance policies. These agents guide individuals in selecting coverage for nursing home stays, assisted living, and in-home support. The company focuses specifically on the complexities of long-term care, including policy features that protect assets against chronic illness expenses. Its services are relevant for a range of commercial sectors, including offices, warehouses, and food service operations that seek benefits guidance for employees.
Kenton Insurance, located in Ventura, CA, is a long-term care insurance agent known for guiding local families through the complexities of care coverage. Its service range includes policy comparisons from multiple carriers to help clients protect assets against future health needs. The agency also coordinates timelines for nursing home memory care and community-based assisted living options. A specialty service it can add on is spousal benefit protection, which allows one partner’s unused coverage to be transferred to the other.
What Does a a Long-Term Care Insurance Agent in Ventura Cost?
Long-term care insurance premiums in California vary widely based on age, health, and benefit amount. A typical policy for a healthy 55-year-old can cost between $1,500 and $3,000 per year. For a 65-year-old, annual premiums often range from $2,500 to $5,000. Costs increase with added benefits like inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Ventura
Long-term care insurance agents in Ventura, California help residents plan for future care needs such as nursing home or in-home care. California law offers certain consumer protections including a 30-day free look period for new policies. Agents can explain how California Partnership for Long-Term Care plans work to protect assets while qualifying for Medi-Cal.
Frequently Asked Questions
What does a long-term care insurance agent in Ventura do?
An agent helps you compare policies from different insurers and find coverage that fits your budget and health needs. They explain policy features like benefit triggers and inflation protection. Agents also assist with the application process and medical underwriting.
Are there California-specific rules for long-term care insurance?
Yes, California requires a 30-day free look period where you can cancel a policy for a full refund. The state also mandates that insurers offer inflation protection options. The California Partnership program allows policyholders to keep some assets if they later need Medi-Cal.
How do I choose a long-term care insurance agent in Ventura?
Look for an agent licensed by the California Department of Insurance. Ask about their experience with California Partnership plans and their knowledge of local care costs in Ventura County. Check their reputation with the Better Business Bureau.
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