The top-rated long-term care insurance agent in Wailuku, Hawaii is Mark Zion - State Farm Insurance Agent, rated 5.0 stars across 294 reviews. Other highly rated options include Wayde Omura - State Farm Insurance Agent, Carey Tanaka - State Farm Insurance Agent, Mike Taniguchi - State Farm Insurance Agent. This directory lists 14 long-term care insurance agents serving Wailuku.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mark Zion - State Farm Insurance Agent | 2200 Main St suite 530 | (808) 793-3203 |
| 2 | Wayde Omura - State Farm Insurance Agent | 331 Ho'okahi St Ste 105 | (808) 249-0990 |
| 3 | Carey Tanaka - State Farm Insurance Agent | 331 Ho'okahi St Unit 106 | (808) 877-4450 |
| 4 | Mike Taniguchi - State Farm Insurance Agent | 35 Central Ave | (808) 242-5747 |
| 5 | MFA Insurance Inc. | 73 Maluhia Dr | (808) 244-2244 |
| 6 | AlohaCare | 210 Imi Kala St suite 206 | (877) 973-0712 |
| 7 | Business Insurance Services | 2115 Wells St | (808) 244-6006 |
| 8 | Mutual Underwriters | 840 Alua St STE 103 | (808) 249-2163 |
| 9 | Aflac Insurance Agent: Michael E Jones | 62 N Market St #304 | (808) 442-3070 |
| 10 | Finance Insurance Ltd | 270 Waiehu Beach Rd # 213 | (808) 244-3552 |
Mark Zion - State Farm Insurance Agent provides long-term care insurance services to individuals and families in the Wailuku area and throughout Maui County. This local agency helps clients plan for potential future care needs by offering policies that cover services not included in standard health insurance. The company assists with evaluating coverage options for in-home assistance and nursing facility expenses. It also handles applications and policy reviews for long-term care plans.
Wayde Omura - State Farm Insurance Agent in Wailuku, HI, provides long-term care insurance policies designed to help cover the costs of extended medical or personal care services. The office assists clients in understanding policy options and can help adjust coverage as needs change over time. Regular policy reviews are offered to ensure plans remain aligned with evolving health situations. The company serves single-family homes, apartments, retail, and restaurants.
Carey Tanaka, operating as a State Farm Insurance Agent in Wailuku, serves homeowners, families, and individuals planning for future healthcare needs. This agency provides guidance on long-term care insurance policies, helping clients protect assets and access care services in the Maui area. They assist with understanding coverage options and premiums for this specialized insurance product. The agency also covers the neighboring community of Kahului and other parts of central Maui.
Mike Taniguchi - State Farm Insurance Agent serves Wailuku, HI, and the surrounding communities of Maui, including Kahului, Kihei, and Lahaina. The agency handles long-term care insurance, a coverage designed to help with the costs of services like in-home care or assisted living that are not covered by standard health plans. It also guides clients on coordinating this insurance with existing savings and Medicare benefits. To handle a typical job, the agency first reviews a client’s financial situation and health history, then compares policy options to find a suitable plan.
MFA Insurance Inc. in Wailuku assists clients in deciding between a single-payment immediate coverage policy and a recurring premium long-term care plan. Such coverage protects assets from the high cost of extended personal or nursing care in Hawaii. As a local long-term care insurance agent, they evaluate each client's financial situation to recommend appropriate policy structures. Service runs on an as-needed basis, typically timed around policy purchase, financial review, or filing a care claim.
AlohaCare offers specialized long-term care insurance services to residents of Wailuku, Hawaii, focusing on policies that help cover costs for extended nursing or home-based care. The company assists clients in evaluating their options to preserve savings against future health needs, with a full range of consultation on coverage planning. It helps families address the unique financial challenges posed by Hawaii’s high cost of living during retirement years, particularly when health issues arise after a sudden fall or seasonal illness.
As Hawaii’s residents plan for potential long-term health needs, arranging suitable coverage becomes essential in a market with rising care costs. Business Insurance Services in Wailuku assists individuals and families by explaining policy options for nursing home or home health support. Their process involves evaluating personal assets and family medical history to recommend appropriate plans. An initial assessment helps clarify coverage gaps and budget parameters before moving forward.
Mutual Underwriters handles the financial planning aspects of long-term care coverage for clients in Wailuku and surrounding areas. A long-term care insurance agent helps individuals prepare for expenses related to extended nursing or home-based assistance. The company specializes in assessing personal risk factors and matching clients with suitable policy options for future care needs. It can serve various commercial sectors, including offices, warehouses, and food service businesses seeking group protection benefits.
Michael E Jones provides long-term care insurance services to residents in and around Wailuku, HI. Commercial coverage is also available for local businesses seeking to protect their employees’ future care needs. As a local agent, clients can expect knowledgeable guidance on policies that help cover extended nursing or home-based support. Follow-up service is offered during regular visits to ensure policy adjustments are addressed as life circumstances change.
Finance Insurance Ltd serves residential clients across Wailuku with comprehensive long-term care insurance solutions, helping families prepare for future health needs. The agency also offers commercial coverage tailored for businesses seeking to protect their assets against long-term care expenses. Services extend throughout the Wailuku area, ensuring local access to professional guidance on policy options. After an initial consultation, agents follow up to address any changes, providing ongoing support between regular visits to adjust coverage as circumstances evolve.
What Does a a Long-Term Care Insurance Agent in Wailuku Cost?
Long-term care insurance premiums in Hawaii vary widely. A typical policy for a healthy 55-year-old might cost 2,000 to 4,000 dollars per year. For a 65-year-old, premiums often range from 3,500 to 6,500 dollars annually. Costs depend on benefit amount, elimination period, and inflation options. This is general information and not insurance advice.
About long-term care insurance agents in Wailuku
Long-term care insurance agents in Wailuku help residents of Maui plan for future care needs while protecting assets. Hawaii offers a unique Long-Term Care Partnership Program that allows policyholders to qualify for Medicaid without spending down all assets. Working with a local agent ensures you understand Hawaii specific rules and available coverage options.
Frequently Asked Questions
What is the Hawaii Long-Term Care Partnership Program?
This program allows you to keep assets equal to the amount your insurance policy pays out. If your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. A Wailuku agent can explain how this works with your financial plan.
How do I choose a long-term care insurance agent in Wailuku?
Look for an agent licensed in Hawaii with experience in long-term care policies. Ask if they are familiar with the Hawaii Partnership Program and can compare policies from multiple carriers. A local agent understands Maui care costs and facility options.
What factors affect long-term care insurance premiums in Hawaii?
Premiums depend on your age, health, benefit amount, and policy features. Hawaii has higher care costs than many states, so agents often recommend policies with inflation protection. Getting quotes in your 50s or early 60s can lower your premium.