The top-rated long-term care insurance agent in Miami Gardens, Florida is Estrella Insurance, rated 4.8 stars across 459 reviews. Other highly rated options include GoldenTrust Insurance Miami Gardens, AJM Agencies Auto Insurance (PROGRESSIVE), Brightway Insurance, Miami Lakes. This directory lists 14 long-term care insurance agents serving Miami Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 18355 NW 57th Ave #103B | (305) 830-1477 |
| 2 | GoldenTrust Insurance Miami Gardens | 5663 NW 195th Dr | (305) 998-7133 |
| 3 | AJM Agencies Auto Insurance (PROGRESSIVE) | 4888 NW 183rd St #207 | (786) 556-5210 |
| 4 | Brightway Insurance, Miami Lakes | 18191 NW 68th Ave Suite 222 | (305) 676-6762 |
| 5 | Univista Insurance | 4729 NW 183rd St | (305) 406-6708 |
| 6 | Del Toro Insurance | 3753 NW 167th St Suite 102 | (786) 533-2513 |
| 7 | Gardens Insurance Inc | 1818 NW 183rd St | (305) 621-0072 |
| 8 | Renew Insurance LLC | 16533 NW 57th Ave | (305) 624-7300 |
| 9 | Insurance Exchange of America | 19868 NW 27th Ave | (305) 620-7555 |
| 10 | One Financial Solutions Inc Health Insurance Agency | 18982 NW 2nd Ave | (786) 648-8266 |
Estrella Insurance serves Miami Gardens, Florida, and the surrounding communities, handling long-term care insurance needs. It helps clients understand policies that cover services such as nursing home care, assisted living, and in-home support. The agency assists individuals in planning for future care expenses while preserving personal assets. It evaluates each client’s financial situation and health background before recommending suitable coverage options. Estrella Insurance applies a thorough, step-by-step process to match a policy design with the client’s specific long-term care requirements.
GoldenTrust Insurance Miami Gardens serves clients throughout Miami-Dade County, focusing on long-term care insurance planning. The agency helps individuals navigate policy options designed to cover assisted living, home health care, and nursing home expenses. It explains how these plans protect savings from the high costs of extended care. Common services include comparing plan benefits and assisting with the application process specific to local providers.
AJM Agencies Auto Insurance (PROGRESSIVE) in Miami Gardens, FL, offers a range of long-term care insurance agent services, helping clients evaluate and select policies that cover nursing home, assisted living, and at-home care costs. It provides ongoing assistance with policy maintenance, including annual plan reviews and claims support. The agency services a variety of properties where clients reside or operate, including single-family homes, apartment complexes, retail storefronts, and local restaurants.
Brightway Insurance in Miami Gardens serves homeowners, families, and retirees seeking financial protection for future care needs. As a long-term care insurance agent, the company helps clients review policies that cover nursing home, assisted living, and home health services, planning for the potential high costs of extended care. Their agents explain coverage options, including inflation protection and benefit periods, tailored to individual budgets and health situations. Alongside its Miami Lakes location, Brightway also serves clients throughout the neighboring communities of Hialeah and surrounding parts of northern Miami-Dade County.
Univista Insurance in Miami Gardens, Florida provides long-term care insurance services that address the fundamental difference between paying for custodial care at home or in a facility versus funding those services on a recurring basis. The agency assists clients in selecting coverage that protects savings from the high, ongoing costs of daily assistance. Services are offered on an as-needed basis.
Del Toro Insurance provides specialized long-term care insurance services for residents of Miami Gardens, Florida, focusing on coverage that helps protect assets and manage future care needs. Its general service work includes assessing individual risk factors and explaining policy options for home care, assisted living, or nursing facility support. For local clients, the agency commonly assists with planning during open enrollment periods or when a family member's changing health situation requires immediate evaluation of available benefits.
Serving Miami Gardens and the surrounding communities of South Florida, Gardens Insurance Inc handles long-term care insurance agent services. It assists clients in planning for future care needs by evaluating policies that cover assisted living, home health aides, and nursing facility expenses. To manage a typical case, the company reviews individual health histories and financial situations before recommending appropriate coverage options from available insurers.
Renew Insurance LLC in Miami Gardens, Florida assists clients in understanding the difference between a single long-term care insurance policy, which covers care only on an as-needed basis, and recurring service plans that provide ongoing or periodic support for chronic conditions. Coverage options typically include assistance with daily living activities such as bathing, dressing, and medication management. The agent evaluates individual needs to recommend policies that help protect assets and family savings. Services are offered on a one-time, scheduled, or as-needed basis depending on the client’s preference for consultation frequency.
As Florida’s heat and humidity rise each summer, families in Miami Gardens grow more concerned about securing care for aging relatives. Insurance Exchange of America helps local seniors review long-term care policies that cover home health aides or assisted living. The agency guides clients through plan comparisons that fit individual budgets and anticipated health needs. Before recommending a policy, the agent schedules a detailed assessment of the applicant’s current medical status and future care preferences to determine coverage eligibility.
What Does a a Long-Term Care Insurance Agent in Miami Gardens Cost?
In Florida, long-term care insurance premiums vary widely. A typical policy for a 55-year-old can cost between 150 and 300 dollars per month. Costs depend on age, health, benefit amount, and inflation options. This is general information and not insurance advice.
About long-term care insurance agents in Miami Gardens
Long-term care insurance agents in Miami Gardens help residents plan for future care needs. Florida law offers special Partnership policies that allow dollar-for-dollar asset protection if you qualify. An agent can explain how these plans work with Medicare and Medicaid in Florida.
Frequently Asked Questions
What does a long-term care insurance agent in Miami Gardens do?
An agent helps you compare policies from different carriers. They explain Florida Partnership plans and how to qualify for tax advantages. They also guide you on benefit triggers and elimination periods.
How does Florida law affect long-term care insurance?
Florida requires insurers to offer inflation protection and nonforfeiture benefits. The Florida Partnership for Long-Term Care program allows you to keep assets equal to benefits paid. Agents must be licensed by the Florida Department of Financial Services.
What are the age and health requirements for long-term care insurance in Florida?
Most carriers accept applicants between ages 40 and 84. You must answer health questions and may need a phone interview. Pre-existing conditions can affect approval or premiums.
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