The top-rated long-term care insurance agent in Raytown, Missouri is Freeway Insurance, rated 4.9 stars across 235 reviews. Other highly rated options include Farmers Insurance - J Robert Atkins, Reginald Green - State Farm Insurance Agent, Karen Gilkey American Family Insurance. This directory lists 14 long-term care insurance agents serving Raytown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Freeway Insurance | 9200 E State Rte 350 | (816) 685-6987 |
| 2 | Farmers Insurance - J Robert Atkins | 10032 E 63rd St | (816) 874-4920 |
| 3 | Reginald Green - State Farm Insurance Agent | 11571 E 63rd St | (816) 356-1515 |
| 4 | Karen Gilkey American Family Insurance | 10801 E State Rte 350 Ste A | (816) 761-2880 |
| 5 | Jarrett Devereaux: Allstate Insurance | 9023 E State Rte 350 | (816) 912-4200 |
| 6 | Dick Tracy Insurance | 9425 E 63rd St | (816) 358-6100 |
| 7 | Beau Crawford - State Farm Insurance Agent | 7312 Raytown Rd Ste B | (816) 353-3026 |
| 8 | Sue Frank Insurance Agency | 10014 E 63rd St | (816) 353-4400 |
| 9 | The Overton Agency Inc American Family Insurance | 11705 E State Rte 350 c | (816) 356-3100 |
| 10 | Anchor Insurance Agency, Inc. | 6107 Blue Ridge Blvd | (816) 737-0880 |
Freeway Insurance serves the Raytown, Missouri area and the greater Kansas City metro region as a local long-term care insurance agent. The company helps individuals understand and select policies that cover essential services such as assisted living and home health care. It assists clients in evaluating coverage options to protect assets against the high costs of extended care. This agency specifically handles policy comparisons and the application process for long-term care insurance.
Farmers Insurance - J Robert Atkins provides a full range of long-term care insurance services for residents in the Raytown, Missouri area. The office works with clients to structure long-term care plans that help protect personal savings from future care costs. Maintenance services include annual policy reviews to check for benefit gaps or changes in healthcare needs. This local agency services different property types, including single-family homes, apartments, retail spaces, and restaurants.
Reginald Green - State Farm Insurance Agent in Raytown, Missouri, is known for helping clients plan for future medical expenses through long-term care insurance. This agency works with individuals seeking coverage for nursing home, assisted living, and in-home care needs common in the Kansas City area. Support is provided for reviewing policy options and understanding benefit triggers. A specialty service the agency can add on is life insurance, ensuring a more complete financial protection strategy for families.
Serving the Raytown, Missouri area and surrounding communities, Karen Gilkey American Family Insurance provides guidance on long-term care insurance. This type of coverage helps address the financial demands of extended care services, such as home health aides or assisted living, which are often not covered by standard health plans. The agency carefully explains policy features, including benefit periods and inflation protection, to help clients understand their options. Each situation is addressed by reviewing personal needs and budget to recommend a suitable policy structure.
Jarrett Devereaux: Allstate Insurance in Raytown, MO, provides long-term care insurance, differentiated by one-time policy purchases for immediate financial protection versus scheduled premium payments that build cash value over time. Coverage helps pay for nursing home stays, assisted living, or in-home care. Service runs on a one-time, scheduled, or as-needed basis according to client policy enrollment and ongoing needs for plan adjustments or claims support.
Specializing in long-term care insurance policies, Dick Tracy Insurance serves residents in the Raytown, Missouri area. The company works with individuals seeking coverage for nursing home stays, assisted living facilities, or in-home care support. It typically guides clients through policy options that help protect financial assets from high healthcare expenses. As the winter months approach, the agency often assists local seniors in reviewing their existing coverage for any needed adjustments to handle seasonal illness preparedness.
As Raytown residents plan for retirement, securing coverage that protects savings from future care costs becomes essential. Beau Crawford - State Farm Insurance Agent provides guidance on long-term care insurance, helping individuals explore policies that align with their financial goals. The agency explains how such coverage can pay for nursing home stays, assisted living, or home health services. Clients receive clear information about different plan options and premium structures suited to their situation. A thorough initial consultation assesses personal needs and eligibility to begin finding appropriate long-term care protection.
Sue Frank Insurance Agency focuses on helping individuals plan for future care needs through long-term care insurance coverage. Based in Raytown, MO, the company assists clients in this area with understanding policies that cover extended care services often not covered by standard health insurance. The agency can help tailor plans for various settings, including small professional offices, industrial warehouses, and food service operations.
The Overton Agency Inc American Family Insurance serves residential clients in Raytown, MO with long-term care insurance planning. Commercial coverage is also offered to area businesses. Their advisors help families design policies that protect savings from the cost of extended care at home or in facilities. Clients often schedule follow-up appointments during annual policy reviews to adjust coverage as needs and regulations change. This regular touchpoint ensures the plan remains aligned between regular visits for ongoing protection.
Anchor Insurance Agency, Inc. in Raytown, MO is known for guiding families through the complex process of planning for future personal care needs. Its agents help clients evaluate options for covering assisted living, nursing home, or home-based care. The agency focuses on matching individuals with a policy that balances affordability with long-term financial protection for their assets. For added value, the agency can arrange a consultation to specifically review plans for self-employed professionals and small business owners.
What Does a a Long-Term Care Insurance Agent in Raytown Cost?
In Missouri, long-term care insurance premiums for a 55-year-old can range from $1,500 to $3,500 per year for a basic policy. Costs increase with age and health conditions. A policy with comprehensive benefits may cost $4,000 to $6,000 annually. These are general estimates and your actual cost will depend on your specific situation. This is general information and not insurance advice.
About long-term care insurance agents in Raytown
Long-term care insurance agents in Raytown, Missouri help residents plan for future care needs. Missouri offers a Partnership Program that allows policyholders to protect assets equal to the benefits paid out. Local agents can guide you through this program and other options available in the state.
Frequently Asked Questions
What is the Missouri Long-Term Care Partnership Program?
The Missouri Long-Term Care Partnership Program is a state initiative that lets policyholders keep assets equal to the amount their policy pays out. This helps residents qualify for Medicaid without spending down all their savings. Agents in Raytown can explain how this program works with your policy.
How do I choose a long-term care insurance agent in Raytown?
Look for an agent licensed in Missouri with experience in long-term care policies. Ask about their knowledge of state-specific programs like the Partnership Program. You can verify an agents license through the Missouri Department of Insurance.
What factors affect long-term care insurance costs in Missouri?
Costs depend on your age, health, coverage amount, and policy features. Missouri law requires insurers to offer inflation protection options. Premiums can also vary based on whether you choose a facility-only or comprehensive home care policy.
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