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Showing 2 long-term care insurance agents in Ham Lake, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Maria D - State Farm Insurance Agent
16015 Central Ave NE, Ham Lake, MN 55432
(763) 571-4243
mariadagency.com
Pine Insurance
18015 Ulysses St NE STE 400, Ham Lake, MN 55304
(763) 413-7848
pineagency.us
What Does a Long-Term Care Insurance Agent in Ham Lake Cost?
Long-term care insurance premiums in Minnesota vary by age, health, and coverage level. A healthy 55-year-old might pay 1,500 to 3,000 dollars per year for a basic policy. A 65-year-old could pay 3,000 to 6,000 dollars per year for similar coverage. Costs increase with inflation protection and shorter waiting periods. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Ham Lake do?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options, costs, and how to apply. They also help you understand Minnesota-specific rules like the Partnership Program.
How does the Minnesota Long-Term Care Partnership Program work?
The Partnership Program lets you keep assets equal to the benefits your policy pays out. If you use 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medical Assistance. This program is only available through certified agents.
What is the best age to buy long-term care insurance in Minnesota?
Most people buy policies in their 50s or early 60s when premiums are lower. Waiting until age 65 or older can make coverage very expensive or hard to get. An agent can help you find a plan that fits your budget and health status.