The top-rated long-term care insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,037 reviews. Other highly rated options include Better Insurance Group, Golden Trust Insurance Melbourne, Space Coast Insurance Agency, LLC. This directory lists 23 long-term care insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 3 | Golden Trust Insurance Melbourne | 500 N Harbor City Blvd Ste B | (305) 786-7535 |
| 4 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 5 | The Florida Health Insurance Exchange | 2454 Minton Rd | (321) 725-8100 |
| 6 | Anthony Insurance Agency | 7331 Office Park Place STE 500 | (321) 242-3181 |
| 7 | The Insurance Center of Central Florida, Inc. | 3760 Eau Gallie Blvd #104 | (321) 255-0986 |
| 8 | Michael McGarrigle Inc | 478 Babcock St Suite 102 | (321) 757-9770 |
| 9 | GreatFlorida Insurance: Sara LaManna | 1571 Aurora Rd | (321) 241-4881 |
| 10 | 1 Source Insurance Agency Inc. | 1701 S Harbor City Blvd | (321) 722-3888 |
Erb and Young Insurance serves the Melbourne, Florida metropolitan area and the broader Brevard County region. As a long-term care insurance agency, it assists individuals in planning for future custodial and personal care needs. The company primarily offers policies that help cover costs associated with extended nursing home stays and in-home assistance services for elderly or disabled clients. It also specifically handles applications for assisted living facility coverage and Alzheimer’s care benefit riders.
Better Insurance Group in Melbourne, FL provides comprehensive long-term care insurance agent services, including policy consultation and enrollment for clients planning future care needs. It offers ongoing service support to help policyholders adjust coverage as their health situations evolve. The agent works with families and individuals seeking asset protection through customized plans that address nursing home, assisted living, and home health care expenses. Services cover single-family homes, apartments, and retail properties.
Residents and families in Melbourne, FL, turn to Golden Trust Insurance Melbourne for guidance on long-term care insurance. The agency helps clients understand policy options that protect assets and cover home health aides, assisted living, or nursing home expenses. It explains coverage terms and assists with applications, ensuring clients in Melbourne are well informed about their choices. The agency also extends its services to families and individuals in nearby Palm Bay.
Space Coast Insurance Agency, LLC serves clients across Melbourne, Florida, and the surrounding Brevard County communities. This agency handles long‑term care insurance policies designed to help cover costs associated with extended in‑home care, assisted living, or nursing facility stays. For each client, it first reviews individual needs and potential future care scenarios before comparing available policy options from multiple carriers. It then presents a clear, side‑by‑side explanation of coverage details and premiums so the client can make an informed selection.
At the Florida Health Insurance Exchange in Melbourne, FL, clients can choose between a one-time consultation to evaluate existing policies or an ongoing service option for coverage management. This agency specializes in long-term care insurance, helping individuals plan for future care needs through suitable policy selection. Services focus on explaining benefits, comparing plans, and addressing changing health or financial circumstances over time. Assistance is available on a scheduled or as-needed basis, depending on each client’s preference and situation.
Serving the Melbourne area as a long-term care insurance agent, Anthony Insurance Agency specializes in helping clients plan for future custodial and home health care needs. The agency helps individuals review policy options that address costs not covered by standard health plans or Medicare. It assists with navigating the complexities of coverage for nursing home stays, assisted living facilities, or in-home personal care services. Local seniors often seek its guidance when facing upcoming retirement or after a family member’s sudden need for extended care has arisen.
As Central Florida’s older population plans for upcoming hurricane seasons, safeguarding personal savings from potential long-term care costs becomes a critical concern. The Insurance Center of Central Florida, Inc. in Melbourne provides local expertise in long-term care insurance policies, helping families understand coverage options for assisted living, home health care, and nursing facility stays. Their process begins with a complimentary initial consultation to review an individual’s current health profile and financial goals. Following this discussion, a personalized policy comparison is prepared before any formal application can be submitted.
Michael McGarrigle Inc provides residential long-term care insurance in Melbourne and the surrounding area, helping clients plan for future personal care needs. The agency also offers commercial coverage for local businesses seeking group policies and related financial protection. Serving Brevard County and nearby communities, the firm assists policyholders with Medicare supplement discussions and navigating available plan options. Each consultation is tailored to individual circumstances, and the office follows up with customers between regular visits to confirm their coverage remains appropriate.
GreatFlorida Insurance: Sara LaManna works with clients to plan for the financial challenges of extended care needs in Melbourne, Florida. As a specialist, the company focuses on long-term care insurance policies that help protect personal assets while ensuring access to necessary support services. These plans address potential costs associated with nursing homes, assisted living facilities, and in-home care. The agency can serve the insurance needs of individuals working in commercial sectors including local offices, warehouses, and food service establishments.
1 Source Insurance Agency Inc. in Melbourne, Florida is known for helping clients plan long-term care options to protect assets and maintain access to quality care. The agency’s service range includes assessing individual needs and comparing policies from multiple carriers to find suitable coverage for nursing home, home health, or assisted living situations. Its specialty add-on services extend to reviewing existing Medicare and supplemental plans to coordinate overall retirement healthcare strategies.
What Does a a Long-Term Care Insurance Agent in Melbourne Cost?
In Florida a long-term care insurance policy for a 55-year-old can cost between $1,500 and $3,000 per year depending on benefits chosen. A 65-year-old might pay $2,500 to $5,000 annually. Costs vary by age health benefit amount and elimination period. This is general information not insurance advice.
About long-term care insurance agents in Melbourne
Long-term care insurance agents in Melbourne Florida help residents plan for future care costs. Florida law requires agents to be licensed and to explain policy features clearly. Local agents understand the Space Coast community and can guide you through Florida Partnership for Long-Term Care policies which offer asset protection.
Frequently Asked Questions
What does a long-term care insurance agent in Melbourne do?
A long-term care insurance agent helps you compare policies from different carriers. They explain coverage options such as home care, assisted living, and nursing home benefits. Agents also clarify Florida-specific rules like the Partnership program and inflation protection requirements.
How do I choose a long-term care insurance agent in Florida?
Look for an agent licensed in Florida with experience in long-term care products. Ask about their familiarity with Florida Partnership policies and the state insurance department guidelines. A good agent will provide quotes from multiple insurers without pushing one company.
Are there Florida laws that affect long-term care insurance policies?
Yes Florida has specific regulations. Policies must offer inflation protection options and a 30-day free look period. Florida also has a Partnership program that allows policyholders to keep assets equal to benefits paid if they later need Medicaid. Agents must explain these features.
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