The top-rated long-term care insurance agent in Plymouth, Michigan is C. L. Finlan Insurance, rated 4.9 stars across 626 reviews. Other highly rated options include Amanda Ross - State Farm Insurance Agent, Kennedy Nemier Insurance Services, Cindy Fletcher - State Farm Insurance Agent. This directory lists 21 long-term care insurance agents serving Plymouth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | C. L. Finlan Insurance | 47784 Halyard Dr | (734) 453-6000 |
| 2 | Amanda Ross - State Farm Insurance Agent | 44327 Plymouth Oaks Blvd | (734) 404-6133 |
| 3 | Kennedy Nemier Insurance Services | 1225 S Main St | (734) 454-4058 |
| 4 | Cindy Fletcher - State Farm Insurance Agent | 409 Plymouth Rd Ste 202 | (734) 459-2023 |
| 5 | Caregiving Experts LLC | 296 S Main St #202 | (734) 744-5550 |
| 6 | Laginess Insurance Agency | 199 N Main St | (734) 455-5088 |
| 7 | MK Insurance Group | 42245 Ann Arbor Rd Ste 103 | (248) 459-5679 |
| 8 | Julie Goldsmith - Mutual of Omaha Advisor | 40500 Ann Arbor Rd Ste 106ll | (734) 422-7790 |
| 9 | Hemlock Insurance Group-Plymouth Branch | 15398 N Haggerty Rd | (734) 463-3500 |
| 10 | AAA Insurance - Schwegler Insurance Plymouth | 1365 S Main St Ste E | (734) 453-2100 |
C. L. Finlan Insurance serves the Plymouth, Michigan area as a long-term care insurance agent. This firm assists individuals in planning for future needs related to extended healthcare services. It guides clients through policy options that help cover costs not paid by standard health insurance, such as in-home assistance or nursing facility stays. The agent helps compare plans to match personal financial situations. Specific services handled include processing policy applications and reviewing existing coverage for adequate protection against rising care expenses.
Amanda Ross - State Farm Insurance Agent offers long-term care insurance solutions, helping clients in the Plymouth, Michigan area plan for future care needs. Services include policy consultation, coverage analysis, and ongoing policy management to ensure plans remain aligned with changing health circumstances. Regular account reviews and claims support are available to policyholders. The agency services single-family homes, apartments, retail businesses, and restaurants.
Kennedy Nemier Insurance Services serves individuals and families in the Plymouth, Michigan area who are planning for future medical needs. The firm specializes in long-term care insurance agents, helping clients evaluate policies that cover in-home care, assisted living, or nursing facility expenses. These professionals guide customers through complex coverage options, ensuring plans address long-term health risks. The agency also provides services to nearby communities in western Wayne County, including Northville and Canton, offering assistance to those seeking financial protection against the high costs of extended care.
Serving Plymouth, Michigan, and the surrounding communities, Cindy Fletcher - State Farm Insurance Agent handles long-term care insurance coverage tailored to clients’ future planning needs. This agency typically works with individuals seeking financial protection against the high costs of extended nursing or home-based care. Understanding the complexities of qualifying policies and benefit options, the agent usually guides each client through a thorough assessment of their personal situation and budget to match appropriate plan features.
Caregiving Experts LLC, based in Plymouth, MI, specializes in guiding clients through the difference between traditional one-time policy purchases and recurring premium service options for long-term care coverage. The team assists individuals in comparing policy types to address future care needs, from in-home assistance to skilled nursing. Their advice focuses on structuring coverage to align with personal financial goals and health expectations. Service arrangements are available on a one-time consultation basis or as scheduled touchpoints for policy reviews.
Laginess Insurance Agency in Plymouth, Michigan provides focused long-term care insurance agent services. The company helps individuals plan for future assistance needs such as in-home care, assisted living, or skilled nursing facility stays. Its general service work involves explaining policy options, comparing benefit features, and guiding clients through the application process. This firm also addresses common concerns like protecting retirement savings from rising medical costs. During tax season, it helps clients understand how long-term care premiums may qualify for potential deductions.
Plymouth-area families often seek to protect savings from the rising costs of extended care as they plan for their retirement years. MK Insurance Group, based in Plymouth, helps clients navigate the specific options of long-term care insurance policies available in Michigan. The agent works individually to explain policy features and coverage limits, so each client can make an informed choice. An initial in-person or phone consultation is scheduled to first review a person’s potential future care needs and current financial situation.
Julie Goldsmith - Mutual of Omaha Advisor provides long-term care insurance agent services locally in Plymouth, Michigan, assisting residents with residential care planning for their homes or local assisted living facilities. Commercial coverage is available for businesses seeking group long-term care solutions for employees across the wider Plymouth area. Guidance focuses on understanding policy options and financial impacts of future care needs. The agent follows up after the initial plan is implemented to discuss any changes and offers continued support between regular policy reviews.
Hemlock Insurance Group-Plymouth Branch assists individuals and families in Plymouth, Michigan, with their long-term care insurance needs, focusing on planning for future personal care expenses. The agency offers policy options designed to help cover costs from nursing homes and assisted living facilities. They guide clients through the process of understanding coverage for home health aides and adult day care. This local broker serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
AAA Insurance - Schwegler Insurance Plymouth in Plymouth, MI is known for guiding individuals through the complex process of selecting long-term care insurance policies that protect assets in the event of chronic illness or disability. Its service range includes evaluating local coverage options for in-home care, assisted living, and nursing facility expenses. The agency helps clients compare premiums and benefit structures suited to their retirement planning needs. A specialty service it can add on is counseling regarding partnership programs that offer additional asset protection within Michigan.
What Does a a Long-Term Care Insurance Agent in Plymouth Cost?
Long-term care insurance premiums in Michigan vary widely based on age, health, benefit amount, and inflation protection. A typical policy for a 55-year-old might cost between $1,500 and $3,000 per year, while a 65-year-old could pay $2,500 to $5,000 annually. Michigan Partnership policies may have slightly higher premiums but offer asset disregard benefits. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in Plymouth
Long-term care insurance agents in Plymouth Michigan help residents compare policies and understand coverage options. Michigan law requires agents to be licensed by the Department of Insurance and Financial Services. Local agents can explain how the Michigan Long-Term Care Partnership program coordinates private insurance with Medicaid asset protection.
Frequently Asked Questions
What does a long-term care insurance agent in Plymouth do?
An agent helps you compare policies from multiple carriers and explains benefit triggers and elimination periods. They also clarify how Michigan Partnership policies can protect a portion of your assets if you later need Medicaid.
Are there Michigan-specific rules for long-term care insurance?
Yes. Michigan requires a 30-day free look period for new policies. The state also mandates that agents provide a Shoppers Guide and outline of coverage before you buy. Partnership policies must meet federal standards and state certification.
How do I choose a long-term care insurance agent in Plymouth?
Look for an agent who is licensed in Michigan and has experience with long-term care products. Ask if they represent multiple insurance companies so you can compare options. Check their standing with the Michigan Department of Insurance and Financial Services.
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