The top-rated long-term care insurance agent in Troy, Michigan is FSA Insurance Agency, rated 4.9 stars across 565 reviews. Other highly rated options include JPS Insurance Agency, Alfred Shala-HealthMarkets Insurance Agency, HealthMarkets Insurance - Eric Zawicki. This directory lists 24 long-term care insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | FSA Insurance Agency | 50 W Big Beaver Rd Ste 500 | (586) 842-3770 |
| 2 | JPS Insurance Agency | 1111 W Long Lake Rd Suite 201 | (248) 646-6657 |
| 3 | Alfred Shala-HealthMarkets Insurance Agency | 920 E Long Lake Rd STE 200A | (586) 707-5527 |
| 4 | HealthMarkets Insurance - Eric Zawicki | 920 E Long Lake Rd Ste 100A | (248) 850-4000 |
| 5 | National Benefit Plans, Inc. | 1050 Wilshire Dr Ste 280 | (248) 362-4050 |
| 6 | Oak Crest Insurance Services | 125 E Maple Rd | (248) 729-7077 |
| 7 | Troy-Metro Agency | 2065 Livernois Rd | (248) 813-8540 |
| 8 | Hershey Insurance Group | 2855 Coolidge Hwy #204 | (888) 843-7743 |
| 9 | Doeren Mayhew Insurance Group | 3155 W Big Beaver Rd Suite 250 | (248) 290-0650 |
| 10 | NBP ASSOCIATES | 1050 Wilshire Dr Ste 280 | (586) 484-8969 |
FSA Insurance Agency serves the Troy, Michigan, metro area as a local long-term care insurance agent. The agency assists individuals and families in the region with understanding the complexities of covering long-term care costs, which are often not paid by standard health insurance. Its representatives provide professional guidance on available policy options to help clients plan for potential future care needs. The agency specifically handles the evaluation of partnership-eligible policies and the selection of daily benefit amounts to suit personal budgets.
JPS Insurance Agency in Troy, MI helps individuals and families evaluate their need for long-term care coverage. The firm guides clients through policy options that address potential future care costs, including in-home assistance or nursing facility stays. Services focus on planning for life transitions while protecting existing assets. The agency assists clients with initial enrollment and offers ongoing policy review to adjust coverage as circumstances change. Its client base includes homeowners, retirees, and small business owners managing residential and commercial investment properties.
Alfred Shala-HealthMarkets Insurance Agency serves Troy, Michigan, and the surrounding communities in Oakland County. This firm specializes in long-term care insurance, helping local clients address the financial challenges of extended care needs. The agency handles policies designed to cover expenses for assisted living, in-home care, and nursing facility services. A typical engagement begins with a conversation about the client’s health history and financial goals to assess what coverage level is appropriate. The agency generally works to compare multiple carriers and explain policy details directly to the individual.
Long-term care insurance agents can help clients explore both one-time policy purchases and recurring service options such as annual plan reviews. These coverage discussions typically address how to protect assets from the high costs of extended nursing care or in-home assistance. The agent matches individual health needs and budgets with suitable plan structures from multiple insurers. Services are available on an as-needed basis, whether for an initial consultation or for periodic reassessments of an existing policy as personal circumstances change.
Serving local homeowners, retirees, families, and business owners, National Benefit Plans, Inc. provides long-term care insurance guidance from its office in Troy, MI. The agency helps clients evaluate coverage options that protect assets and ensure access to quality care as they age. By analyzing individual circumstances, they assist in selecting policies suited to future needs within Michigan’s evolving healthcare landscape. The firm also extends its services to clients in neighboring communities throughout Oakland County and the greater Detroit metropolitan area.
As Michigan winters approach, many Troy seniors begin reviewing how they might cover the cost of extended home health care. Oak Crest Insurance Services helps local families prepare for this expense by offering long-term care insurance policies that can defray the high costs of assisted living or nursing home stays. Their agents explain policy options, compare coverage levels, and consider each client’s personal health history to find an appropriate plan. A no-cost initial phone assessment is scheduled to begin the needs evaluation process.
Troy-Metro Agency specializes in helping individuals plan for the financial impact of extended healthcare needs, offering personalized long-term care insurance solutions in the Troy, Michigan area. The agency works closely with clients to assess personal circumstances and income considerations, guiding them through policy selection to protect against the potentially high costs of nursing homes, assisted living, or in-home care. As winter approaches, the agency focuses on preparing families for the increased risk of falls or seasonal illnesses that may require unexpected long-term care.
Hershey Insurance Group helps individuals plan for future care needs by arranging long-term care insurance policies in the Troy area. The agency guides clients through coverage options that protect assets and provide access to home care, assisted living, or nursing facility services. It often recommends policies that include inflation protection and shared-care benefits for married couples. The company can serve local commercial sectors such as offices, warehouses, and food service establishments with group insurance solutions.
Doeren Mayhew Insurance Group serves residential clients in Troy, MI, seeking long-term care insurance coverage. The firm also provides commercial policies to local businesses needing employee or partner protection. Service extends throughout the greater metropolitan area, supporting clients with policy selection and enrollment. The agency helps individuals understand coverage options for future care needs. After an initial policy is in place, the team follows up regularly to review coverage as health circumstances change, ensuring policies remain appropriate between routine annual visits.
What Does a a Long-Term Care Insurance Agent in Troy Cost?
Long-term care insurance premiums in Michigan vary widely based on age, health, and coverage amount. A typical policy for a healthy 55-year-old in Troy might cost between $1,500 and $3,000 per year. Adding inflation protection or a shorter elimination period increases the premium. This is general information and not insurance advice.
About long-term care insurance agents in Troy
Long-term care insurance agents in Troy, Michigan help residents understand policies that cover nursing home care, home health aides, and assisted living. Michigan law offers the Partnership for Long-Term Care program, which allows policyholders to protect some assets if they later need Medicaid. Agents in Troy can explain how this state-specific program works with your financial plan.
Frequently Asked Questions
What does a long-term care insurance agent in Troy do?
An agent helps you compare policies from different carriers, explains coverage limits and elimination periods, and guides you through underwriting. They also advise on Michigan Partnership policies that provide asset protection under state law.
How does Michigan law affect long-term care insurance?
Michigan requires agents to explain the Partnership program and offer inflation protection options. The state also has a 30-day free look period where you can cancel a new policy for a full refund.
What are the age and health requirements for buying a policy in Troy?
Most carriers in Michigan accept applicants between ages 18 and 79, with the best rates for those under 65. You must answer health questions and may need a phone interview or medical records review.
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