The top-rated long-term care insurance agent in Wesley Chapel, Florida is State Insurance, rated 4.9 stars across 480 reviews. Other highly rated options include Smart Health & Life Insurance Agency LLC, Insurance Company of Florida, Solid Rock Medicare Solutions. This directory lists 18 long-term care insurance agents serving Wesley Chapel.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | State Insurance | 5815 Argerian Dr #102 | (813) 345-4647 |
| 2 | Smart Health & Life Insurance Agency LLC | 2211 Ashley Oaks Cir | (813) 544-5568 |
| 3 | Insurance Company of Florida | 3751 Maryweather Ln STE 102 | (813) 788-1465 |
| 4 | Solid Rock Medicare Solutions | 2211 Ashley Oaks Cir | (813) 765-6948 |
| 5 | Family First Insurance: Allstate Insurance | 28969 Wesley Chapel Blvd | (813) 994-3900 |
| 6 | Florida Heritage Insurance | 5841 Argerian Dr Suite 101 | (813) 803-7767 |
| 7 | Soriano Insurance Services | 2044 Ashley Oaks Cir STE 102 | (813) 909-0035 |
| 8 | Bankers Life | 2818 Cypress Ridge Blvd. STE 230 | (813) 947-7000 |
| 9 | NEST INSURANCE SERVICES | 27453 Cashford Cir STE 101 | (813) 675-3156 |
| 10 | The Willis Agency | 2635 Windguard Cir STE 101 | (813) 948-9109 |
State Insurance, serving Wesley Chapel and surrounding Pasco County, specializes in long-term care insurance planning. This agency helps individuals prepare for the potential costs of extended medical or personal care needs, focusing on policies that cover home care, assisted living, and nursing home expenses. By assessing each client’s financial and health situation, the agent identifies suitable plans to protect assets and maintain care options. The company handles policy comparisons and enrollment for local residents seeking coverage for in-home support services.
Smart Health & Life Insurance Agency LLC, based in Wesley Chapel, FL, provides long-term care insurance planning and policy placement for individuals seeking coverage for extended care needs. The agency assists clients with policy selection and enrollment by comparing plan options from multiple carriers. It also offers account management support, including premium payment coordination and policy maintenance throughout the coverage period. Its services are primarily designed for homeowners and renters with single-family homes, but it also serves apartment dwellers, retail business owners, and restaurant operators in the local area.
Homeowners, retirees, and families in Wesley Chapel rely on the Insurance Company of Florida for long-term care insurance guidance, helping them plan for potential future needs such as assisted living or in-home care. An agent assists clients in evaluating policy options to protect savings from rising care costs. Coverage is designed to provide financial security while preserving independence as clients age. Services also extend to serving individuals and businesses across the broader Tampa Bay area and nearby Land O’ Lakes.
Serving Wesley Chapel and the surrounding communities of Tampa Bay, Solid Rock Medicare Solutions helps individuals navigate long-term care insurance needs. The company handles policies designed to cover costs for extended nursing or home-based care. It focuses on explaining complex coverage options to clients planning for future health challenges. For a typical job, the agent assesses each client’s financial situation and health factors to present suitable plan choices from available carriers.
Located in Wesley Chapel, FL, Family First Insurance: Allstate Insurance assists clients in distinguishing between a single, immediate policy purchase for near-term needs and ongoing premium payments that maintain lifetime coverage. As a long-term care insurance agent, the agency helps individuals plan for future assistance with daily activities such as bathing, dressing, and eating. It also explains how these policies can protect savings from the high costs of nursing homes or home health aides. Their services are generally available on an as-needed basis for consultations and policy updates.
Florida Heritage Insurance specializes in helping seniors and families navigate long-term care coverage options, serving the Wesley Chapel area. It assists clients in comparing policies that address future needs such as assisted living, home health care, and nursing facility costs. The agency provides personalized consultations to explain how these plans protect savings from medical expenses not covered by Medicare. As Florida’s hurricane season approaches, the company also helps clients review policies to ensure adequate coverage during times of disaster and potential evacuation.
As Florida’s older population faces rising medical costs during hurricane season, families often seek dependable coverage plans. Soriano Insurance Services in Wesley Chapel provides long-term care insurance policies designed to protect savings and ensure access to needed services. The company works with clients to compare policy options that match their health goals and financial situation. An initial assessment appointment is scheduled to review personal needs and discuss available insurance solutions before moving forward.
Bankers Life assists residents of Wesley Chapel, Florida, in planning for the financial aspects of extended care needs. The company specializes in long-term care insurance, helping clients prepare for potential expenses related to chronic illness or disability. It also incorporates various supplementary coverages to address individual circumstances. This work supports both families and local commercial sectors, including office staff, warehouse operations, and food service businesses.
NEST INSURANCE SERVICES provides guidance on long-term care insurance for residents of Wesley Chapel, Florida. The agency helps individuals and families explore coverage options that can protect assets and fund future care needs. Services extend to surrounding communities in the Tampa Bay region, ensuring broader access for clients seeking financial planning solutions. After an initial consultation, the agent maintains contact to review and update policies during annual enrollment periods or when personal circumstances change, supporting long-term financial security between regular visits.
The Willis Agency in Wesley Chapel, FL, is known for guiding seniors and families through the complexities of long-term care insurance. Its service range includes evaluating individual needs for nursing home, home healthcare, and assisted living coverage policies. The agency clarifies how these plans help protect personal assets from the high costs of extended care. As a dedicated local resource, it offers a specialty add-on reviewing whether existing life insurance policies can be converted into long-term care benefit plans.
What Does a a Long-Term Care Insurance Agent in Wesley Chapel Cost?
In Florida the cost of long-term care insurance depends on your age health and selected benefits. For a 55-year-old a policy with a 150 dollar daily benefit and a 3-year benefit period may cost 150 to 300 dollars per month. Older applicants or those with health conditions may pay higher premiums. This is general information not insurance advice. Always consult a licensed agent for a personalized quote.
About long-term care insurance agents in Wesley Chapel
A long-term care insurance agent in Wesley Chapel Florida helps you plan for future care costs not covered by standard health insurance. Florida law requires agents to be licensed and to explain policy features like inflation protection and elimination periods. Working with a local agent ensures you understand how Florida Partnership for Long-Term Care programs may affect your coverage.
Frequently Asked Questions
What does a long-term care insurance agent do in Wesley Chapel?
An agent helps you compare policies from different carriers to find a plan that fits your budget and health needs. They explain key terms like daily benefit amounts and benefit periods. Agents in Florida must follow state regulations on policy disclosures and suitability standards.
How does Florida law affect long-term care insurance policies?
Florida law requires policies to offer inflation protection options and a free-look period of 30 days. The Florida Partnership for Long-Term Care allows policyholders to keep assets equal to benefits paid if they later need Medicaid. Agents must provide a detailed outline of coverage before you buy.
What are typical costs for long-term care insurance in Florida?
Costs vary based on age health and benefit choices. A 55-year-old in Florida might pay between 150 and 300 dollars per month for a standard policy. Premiums can increase over time so it is important to review rate stability with your agent.
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