The top-rated long-term care insurance agent in Coeur d'Alene, Idaho is Redman & Company Insurance Inc., rated 4.8 stars across 224 reviews. Other highly rated options include Glidden Group, Flathead Insurance Coeur d'Alene Insurance, 1st Choice Insurance Brokers, LLC. This directory lists 18 long-term care insurance agents serving Coeur d'Alene.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Redman & Company Insurance Inc. | 1410 S Lincoln Wy STE 100 | (208) 664-5263 |
| 2 | Glidden Group | 402 W Canfield Ave # 2 | (208) 962-0077 |
| 3 | Flathead Insurance Coeur d'Alene Insurance | 350 E Kathleen Ave #300 | (208) 667-7485 |
| 4 | 1st Choice Insurance Brokers, LLC | MAILING ADDRESS ONLY, 174 E Neider Ave #36 | (208) 758-8050 |
| 5 | Dirks Insurance Group, LLC | 1003 E Best Ave | (208) 664-9272 |
| 6 | Marsh McLennan Agency | 601 E Front Ave STE 502 | (208) 667-9406 |
| 7 | Panhandle Insurance | 1103 E Best Ave a | (208) 664-9223 |
| 8 | Pacific Crest Insurance - Coeur d'Alene | 402 W Canfield Ave # 2 | (208) 714-4251 |
| 9 | Neipert Insurance Agency Inc: Allstate Insurance | 293 E Appleway Ave | (208) 676-1747 |
| 10 | Miles Insurance Team | 1110 W Ironwood Dr | (208) 765-6849 |
Redman & Company Insurance Inc. serves the Coeur d’Alene and Kootenai County region as a dedicated long-term care insurance agent. It helps individuals locate policies that cover essential services such as assisted living and in-home personal care. The company focuses on protecting assets while ensuring access to skilled nursing and custodial care. It also guides clients through the specific requirements of Idaho long-term care partnerships and can outline options for hybrid life-and-LTC policies.
Glidden Group provides long-term care insurance planning services to individuals and families in Coeur d’Alene, Idaho. The firm offers initial consultations to assess future care needs and designs coverage plans that help protect assets from the high costs of extended nursing home or home-based care. Policy reviews and claims assistance are available as part of ongoing client support. The agency services a range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners and individuals planning for their future rely on Flathead Insurance Coeur d'Alene Insurance for long-term care coverage. The agency helps clients protect assets and preserve financial independence by advising on policies that cover extended home health aide support and nursing facility stays. Each consultation focuses on personal risk assessment and benefit options tailored to retirement needs. The firm serves clients throughout Coeur d'Alene, ID, and also extends coverage guidance to the surrounding community of Post Falls.
Serving Coeur d’Alene and the surrounding communities of north Idaho, 1st Choice Insurance Brokers, LLC handles long-term care insurance planning for local residents. It focuses on policies that help cover costs for nursing homes, assisted living, and in-home care. The agency typically begins by assessing a client’s financial situation and health history, then explains various coverage options. It compares multiple insurance carriers to find a suitable policy, and its general approach involves guiding each person step-by-step through the application and underwriting process.
As Coeur d'Alene residents consider how to afford future care needs without depleting savings, Dirks Insurance Group, LLC provides guidance on long-term care insurance options. The company helps local individuals understand policy structures that cover expenses like home health aides or nursing home stays. They work through the complexities of benefit periods and daily coverage amounts relevant to the region's retirement community. An initial phone consultation is scheduled to review personal assets and health history.
Marsh McLennan Agency in Coeur d'Alene, Idaho, specializes in assessing long-term care insurance needs and comparing policy options for individuals and families. The agency also works with clients to integrate these plans into broader retirement and financial strategies. It helps navigate the complexities of coverage for in-home assistance, assisted living, and nursing facility care. This agent regularly assists local residents during open enrollment periods and when unexpected health changes create an urgent need to secure long-term care coverage.
Panhandle Insurance assists clients in Coeur d'Alene, Idaho, with planning for future extended care needs. Its work primarily involves explaining long-term care insurance policy options. As a specialist agency, it focuses specifically on these coverage details, which are separate from general health or life insurance. Coordinating with clients to structure policies that address potential long-term care expenses is its core function. The agency can serve various commercial sectors, including offices, warehouses, and food service operations that wish to offer relevant employee benefits or protect business owners.
Serving residents of Coeur d'Alene and surrounding communities, Pacific Crest Insurance - Coeur d'Alene provides long-term care insurance to help individuals plan for future care needs. Commercial coverage is also available, assisting local businesses with employee benefits and protection. The agency serves clients throughout northern Idaho. After an initial policy review, the agent follows up to address any changes in health or financial circumstances before regular visits, ensuring coverage remains suitable over time.
Long-term care insurance can be obtained as a single, non-renewing policy for a fixed period or as a recurring policy that renews annually with adjustable benefits. At Neipert Insurance Agency Inc: Allstate Insurance in Coeur d'Alene, ID, coverage is designed to help protect assets against the high costs of extended care. Policies may include options for home care, assisted living, or nursing facility stays. Service runs on either a one-time consultation or a scheduled annual review basis, depending on the client's ongoing needs for coverage adjustments.
Miles Insurance Team in Coeur d'Alene, ID, is known for guiding clients through long-term care insurance options to help cover future care needs. It serves individuals across northern Idaho by assessing different policy structures suited to varied health and financial situations. The team addresses common concerns about aging care costs and facility eligibility. A specialty service it can also provide includes offering guidance on combining long-term care coverage with existing life insurance policies.
What Does a a Long-Term Care Insurance Agent in Coeur d'Alene Cost?
Long-term care insurance premiums in Idaho vary based on age, health, and benefit amount. A typical policy for a 55 year old may cost between $1,500 and $3,000 per year. For a 65 year old, annual premiums often range from $2,500 to $5,000. Costs are higher for richer benefits or inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Coeur d'Alene
Long-term care insurance agents in Coeur dAlene help residents plan for future care needs. Idaho law requires agents to follow strict disclosure rules when selling policies. Local agents understand the unique health care landscape in northern Idaho and can guide you through policy choices that fit your budget and situation.
Frequently Asked Questions
What does a long-term care insurance agent in Coeur dAlene do?
An agent helps you compare policies from different carriers and explains coverage options like home care and nursing facility benefits. They also ensure you understand Idaho state requirements for policy features and consumer protections.
Are there Idaho specific rules for long-term care insurance?
Yes. Idaho follows the National Association of Insurance Commissioners model act. Agents must provide a shoppers guide and outline of coverage before you buy. You also have a 30 day free look period to cancel a new policy for a full refund.
How do I choose a long-term care insurance agent in Coeur dAlene?
Look for an agent who is licensed in Idaho and has experience with long-term care products. Ask about their knowledge of local care costs and whether they represent multiple insurance companies to give you a range of options.
Long-Term Care Insurance Agents in Other Idaho Cities
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