The top-rated long-term care insurance agent in Oviedo, Florida is Professional Property & Casualty LLC, rated 4.8 stars across 311 reviews. Other highly rated options include Jorel Rodriguez - State Farm Insurance Agent, Jeffrey B Campbell - State Farm Insurance Agent, Brightway Insurance, Oviedo-Winter Springs. This directory lists 17 long-term care insurance agents serving Oviedo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Professional Property & Casualty LLC | 2050 Winter Springs Blvd | (407) 366-7746 |
| 2 | Jorel Rodriguez - State Farm Insurance Agent | 1875 County Rd 419 #300 | (407) 278-2371 |
| 3 | Jeffrey B Campbell - State Farm Insurance Agent | 2840 Tuskawilla Rd | (407) 671-8333 |
| 4 | Brightway Insurance, Oviedo-Winter Springs | 1500 Alafaya Trail STE 1012 | (407) 706-6550 |
| 5 | Salmon Agency | 1890 County Rd 419 #1040 | (407) 365-1766 |
| 6 | Karla Salmon Insurance | 95 E Mitchell Hammock Rd #201 | (407) 478-8808 |
| 7 | Goosehead Insurance - Stephanie Velez | 1317 W Broadway St | (407) 785-6761 |
| 8 | Kerbelis Insurance Agency | 1949 County Rd 419 #1251 | (407) 775-2760 |
| 9 | Integrity Insurance Group Inc. | 1755 W Broadway St #7 | (407) 366-7050 |
| 10 | Rob Cole: Allstate Insurance | 2657 Danielle Dr | (407) 977-4640 |
Professional Property & Casualty LLC serves the Oviedo area and greater Seminole County as a long-term care insurance agent. The firm guides clients through the process of selecting policies designed to cover extended care needs, including home health aides and assisted living facility costs. It assists individuals in assessing their future care risks and matching appropriate coverage to their financial plans. The agency specifically handles policy comparisons for in-home nursing and skilled nursing facility options.
Jorel Rodriguez - State Farm Insurance Agent in Oviedo, FL provides consultation and policy placement for long-term care insurance, helping individuals plan for future custodial and personal care needs. Ongoing service includes annual policy reviews to adapt coverage as health or financial circumstances change, with assistance throughout the claims process. The agency handles both individual and group long-term care insurance solutions. Its client base spans single-family homes, apartments, retail establishments, and restaurants.
Jeffrey B Campbell - State Farm Insurance Agent in Oviedo, FL helps local homeowners and families plan for future medical costs through long-term care insurance policies. These policies cover nursing homes, assisted living, and in-home support services when personal care becomes necessary. The agency provides guidance on selecting appropriate coverage levels to protect savings while ensuring access to quality care. Jeffrey B Campbell - State Farm Insurance Agent also serves the broader Orlando metro area, including the neighboring communities of Winter Springs and Chuluota.
Brightway Insurance, Oviedo-Winter Springs serves clients in Oviedo and the surrounding communities of Central Florida. As a long-term care insurance agent, it handles policies that help cover expenses associated with extended care, such as nursing homes or in-home support. The agency works directly with individuals to review their financial situation and health needs. To structure a typical policy, it generally compares multiple carrier options and customizes a plan for each client’s specific risk profile.
Salmon Agency in Oviedo, FL distinguishes between one-time policy reviews and recurring service plans when helping clients through long-term care insurance selection. Coverage options typically address future needs for custodial care at home or in a facility. These arrangements protect personal assets while providing access to necessary daily assistance as individuals age. Local agents focus on explaining policy features such as inflation protection and elimination periods. Service at Salmon Agency operates on a scheduled basis, with annual check-ins recommended to adjust coverage according to changing health needs or financial circumstances.
Karla Salmon Insurance specializes in long-term care insurance solutions for individuals and families in Oviedo, Florida. The agency provides guidance on protecting assets against the high costs of extended medical care, whether in a facility or at home. Its insureds in Central Florida can plan for future needs with appropriate policy options. Many people seek assistance after a recent diagnosis or when retirement planning, so the agency helps clients address potential care expenses before they become urgent.
As central Florida residents plan for future care needs, Goosehead Insurance - Stephanie Velez in Oviedo assists local families with evaluating long-term care insurance options. This agency helps clients understand policies that cover extended medical and personal support services often not covered by standard health plans or Medicare. For those beginning to explore this financial planning step, the process typically starts by scheduling an initial consultation to review individual circumstances and coverage preferences.
Kerbelis Insurance Agency provides long-term care insurance coverage for individuals in Oviedo, Florida. The company specializes in helping clients plan for future care needs, offering policies that cover home health aides, assisted living, and nursing facilities. It also advises on policy riders such as inflation protection and shared-care benefits. Kerbelis Insurance Agency can serve commercial sectors requiring group or individual plans, including offices, warehouses, and food service operations.
Integrity Insurance Group Inc. provides long-term care insurance services to residents in and around Oviedo, FL. The agency also assists local businesses with commercial coverage options tailored to their workforce needs. Serving clients throughout the broader central Florida area, their agents work with individuals and families to plan for future care expenses. The team offers follow-up consultations and policy reviews between regular visits to help ensure coverage remains aligned with changing health or financial goals.
Rob Cole: Allstate Insurance in Oviedo, FL, is known for providing clients with long-term care insurance options to help protect assets and manage future care costs. The agency serves families and individuals across the region, offering guidance on coverage that can fund home health aides, assisted living, or nursing facility stays. Policies are designed to supplement existing health plans and retirement savings. A specialty service the agency can provide is a complimentary policy review to help ensure a client’s current plan still meets their changing long-term care needs.
What Does a a Long-Term Care Insurance Agent in Oviedo Cost?
Typical long-term care insurance premiums in Florida range from 150 to 300 dollars per month for a 55-year-old with moderate coverage. Costs increase with age and health conditions. A 65-year-old might pay 250 to 500 dollars per month for similar benefits. Florida Partnership policies may have slightly different pricing. This is general information, not insurance advice.
About long-term care insurance agents in Oviedo
A long-term care insurance agent in Oviedo Florida helps residents plan for future care needs like nursing home or home health services. Florida law requires agents to be licensed and follow specific disclosure rules about policy benefits and inflation protection. Local agents understand the unique needs of Oviedo seniors and can explain how Florida Partnership for Long-Term Care programs work.
Frequently Asked Questions
What does a long-term care insurance agent in Oviedo do?
An agent helps you compare policies from different carriers to find coverage that fits your budget and health needs. They explain Florida-specific options like tax-qualified plans and the Florida Partnership program which offers asset protection. They also guide you through the application and medical underwriting process.
What Florida laws apply to long-term care insurance?
Florida law mandates a 30-day free look period for all long-term care policies. Agents must provide a policy outline and a shoppers guide before you buy. Inflation protection options must be offered unless you decline in writing.
How do I choose a long-term care insurance agent in Oviedo?
Look for an agent with experience in Florida long-term care insurance and knowledge of local carriers. Check that they are licensed with the Florida Department of Financial Services. Ask about their familiarity with the Florida Partnership for Long-Term Care program.
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