The top-rated long-term care insurance agent in St. Augustine, Florida is Leigh Insurance Agency, rated 4.9 stars across 285 reviews. Other highly rated options include Tim Huber Insurance, The Bailey Group – An NFP Company, Direct Auto Insurance. This directory lists 24 long-term care insurance agents serving St. Augustine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Leigh Insurance Agency | 1797 Old Moultrie Rd STE 111 | (904) 826-0799 |
| 2 | Tim Huber Insurance | 28 Clark St | (904) 824-2555 |
| 3 | The Bailey Group – An NFP Company | 1200 Plantation Island Dr S UNIT 210 | (904) 461-1800 |
| 4 | Direct Auto Insurance | 2467 US-1 | (904) 794-2357 |
| 5 | Fender Insurance Agency | 101 E Town Pl #225 | (904) 639-4333 |
| 6 | Britni Burkins: Allstate Insurance | 125 Nix Boat Yard Rd | (904) 797-2660 |
| 7 | Ancient City Insurance | 2800 N 5th St #301 | (904) 827-1915 |
| 8 | Brightway Insurance, The Casey Agency | 108 Sea Grove Main St suite b | (904) 217-7547 |
| 9 | Oldest City Insurance | 212 San Marco Ave Suite D | (904) 824-7283 |
| 10 | Benchmark Insurance | 1 Spencer St | (904) 829-2296 |
Leigh Insurance Agency serves the St. Augustine, Florida area as a long-term care insurance agent. The company assists clients in planning for the potential costs of extended medical care. Their work focuses on explaining policy options that cover nursing homes, assisted living, and in-home care. Each plan is tailored to safeguard personal savings against the high expense of chronic illness or disability. The agency specifically handles key services like helping clients compare benefit periods and choose appropriate daily coverage amounts for their local needs.
Tim Huber Insurance provides long-term care insurance services to clients in St. Augustine, Florida. The agency helps individuals plan for future care needs by offering policy options that cover skilled nursing, assisted living, and home health care. Ongoing service plans include policy reviews to adjust coverage for changing health conditions or care costs, as well as assistance with claims filing and benefit coordination. The agency serves single-family homes, apartments, retail businesses, and restaurants, ensuring broad access to financial protection for owners and employees in the local area.
The Bailey Group – An NFP Company serves individuals and families in St. Augustine who are planning for future care needs. This agency specializes in helping clients navigate long-term care insurance policies, which cover services like home health aides and assisted living costs. Its agents provide guidance on selecting appropriate coverage to protect personal savings against high care expenses. The company also extends its services to residents throughout the surrounding St. Johns County area, including Ponte Vedra Beach.
Direct Auto Insurance serves St. Augustine and its surrounding areas in Florida, offering long-term care insurance agent services. These agents assist clients in planning for future care needs by presenting policy options that cover nursing homes, assisted living, and home health care. The agents help individuals understand benefit triggers and inflation protection. They guide customers through applications for coverage that addresses skilled nursing and personal care services in this region.
For clients seeking long-term care protection, Fender Insurance Agency assists with the difference between one-time policy purchases and recurring premium payment plans. Coverage options are tailored to address future needs for assisted living or nursing home care. Helping residents in St. Augustine, Florida, the agency provides education on policy features and financial planning for extended care costs. Their services operate on a scheduled, one-time, or as-needed basis for policy reviews and updates.
Many families in St. Augustine begin seeking long-term care coverage only after a health event. Britni Burkins: Allstate Insurance helps area residents plan for these future needs by explaining different policy structures and benefit triggers in clear, straightforward terms. This long-term care insurance agent focuses on matching coverage options to individual financial situations. The process starts with an initial assessment of current assets and potential long-term care scenarios.
Serving St. Augustine and the surrounding communities in Northeast Florida, Ancient City Insurance handles the long-term care insurance needs of local residents. This agency provides guidance on policies that help cover expenses for nursing homes, assisted living, and in-home care. By reviewing each client's financial situation and potential future needs, it identifies appropriate coverage options available in the area. A typical job is handled through a careful assessment of individual circumstances followed by the presentation of suitable policy choices from various carriers.
Brightway Insurance, The Casey Agency serves clients in St. Augustine, FL, by helping them secure financial protection against the high costs of extended care. As a long-term care insurance agent, the agency focuses on policies that cover nursing homes, assisted living, and home health care needs. It helps individuals and families plan for future medical expenses while preserving assets. The firm can assist businesses and organizations in the area, including local offices, warehouses, and food service operations.
Oldest City Insurance provides long-term care insurance solutions for residents of St. Augustine, Florida. Commercial coverage is also available, with service extending throughout St. Augustine and the surrounding communities. Policies focus on protecting assets and managing the costs of extended personal care. Clients work directly with a local agent who explains plan options and eligibility requirements. The agent follows up after policy purchases to review coverage during regular annual visits or whenever a personal situation changes.
Benchmark Insurance specializes in helping clients plan for long-term care needs through customized policy options. The St. Augustine agency guides individuals and families through the complexities of selecting appropriate coverage for future assistance with daily activities. It also assists with evaluating different plans to protect assets and maintain quality of life. With retirement communities and an aging population in the region, the agent helps locals address the financial risk of extended home health or facility care that often becomes necessary as residents grow older.
What Does a a Long-Term Care Insurance Agent in St. Augustine Cost?
Long-term care insurance premiums in Florida vary by age health and policy features. For a 55 year old a typical policy might cost between 1,500 and 3,000 per year. For a 65 year old the same policy could cost 2,500 to 5,000 per year. Costs also depend on benefit amounts waiting periods and inflation riders. This is general information and not insurance advice.
About long-term care insurance agents in St. Augustine
Long-term care insurance agents in St. Augustine Florida help residents plan for future care needs like nursing homes or home health aides. Florida law requires agents to be licensed and follow specific disclosure rules under Florida Statute 627.9407. An agent can explain how policies work with local care costs and Florida Partnership for Long-Term Care programs.
Frequently Asked Questions
What does a long-term care insurance agent in St. Augustine do?
An agent helps you compare policies from different companies and explains coverage limits waiting periods and inflation options. They also guide you on Florida specific rules such as the 30 day free look period required by state law. Agents do not sell insurance for every company so you may need to check multiple agents.
Are there Florida laws that affect long-term care insurance policies?
Yes Florida Statute 627.9407 requires agents to provide a detailed outline of coverage and a shoppers guide before you buy. Florida also has a Partnership program that lets policyholders keep more assets if they later need Medicaid. Agents must explain these options clearly.
How do I choose a long-term care insurance agent in St. Augustine Florida?
Look for an agent who is licensed in Florida and has experience with long-term care policies. Ask if they represent multiple insurance companies so you can compare plans. You can verify an agents license on the Florida Department of Financial Services website.
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