The top-rated long-term care insurance agent in St. Louis, Missouri is MBhealth Insurance Agency, rated 4.9 stars across 577 reviews. Other highly rated options include POWERS Insurance and Risk Management, R T Thomas Insurance, LLC, Kreismann Bayer Insurance Agency. This directory lists 46 long-term care insurance agents serving St. Louis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MBhealth Insurance Agency | 9700 MacKenzie Rd STE 101 | (314) 544-5400 |
| 2 | POWERS Insurance and Risk Management | 6825 Clayton Ave #200 | (314) 725-1414 |
| 3 | R T Thomas Insurance, LLC | 8131 Delmar Blvd | (314) 725-5535 |
| 4 | Kreismann Bayer Insurance Agency | 652 N New Ballas Rd | (314) 567-3344 |
| 5 | Goetz Insurance Agency | 4586 Telegraph Rd | (314) 720-1702 |
| 6 | Elevated Insurance Group | 345 Marshall Ave Ste 200 | (314) 806-3600 |
| 7 | Norrell Insurance Agency | 401 Pine St #7 | (636) 575-9526 |
| 8 | Lp Miceli Inc | 3470 Hampton Ave s106 | (314) 832-6667 |
| 9 | Kelli A Young And Associates LLC American Family Insurance | 12213 Old Big Bend Rd | (314) 821-1212 |
| 10 | Southtown Insurance Agency | 7127 S Lindbergh Blvd | (314) 894-4220 |
MBhealth Insurance Agency operates in St. Louis, Missouri, providing long-term care insurance planning and policy acquisition services for local residents. It helps clients evaluate needs, compare available coverage options, and choose appropriate plans to protect assets against future care costs. The agency also offers policy reviews and assistance with claims navigation as part of its ongoing service. It typically works with individuals and families preparing for potential senior care expenses, but also assists property owners in the area, including those with single-family homes, apartments, retail, and restaurants.
POWERS Insurance and Risk Management serves homeowners, businesses, and individuals planning for future healthcare needs in St. Louis, MO. As a long-term care insurance agent, it helps clients evaluate asset protection strategies and prepare for costs associated with extended medical stays or assisted living. The agency assists with policy comparisons to match coverage with personal financial goals. It also extends its services to clients in Clayton and the surrounding St. Louis County metro area.
As St. Louis residents plan for the financial demands of aging, R T Thomas Insurance, LLC provides guidance on long-term care coverage. The company helps local families understand policy options that protect assets while addressing future care needs. Their services include explaining the differences between traditional and hybrid products suited to the Missouri market. Clients can expect a thorough discussion of personal circumstances during the initial assessment step.
Kreismann Bayer Insurance Agency serves the St. Louis area by assisting residents with long-term care insurance needs, ensuring individuals and families have access to coverage for extended illness or disability. The agency also helps local businesses with group long-term care policies and supports clients throughout the metro region. After an initial policy is secured, they are available for plan reviews or adjustments during regular annual visits.
Goetz Insurance Agency assists individuals and families in St. Louis with planning for the costs of extended personal care. The firm specifically focuses on long-term care insurance coverage as its primary specialty. Such policies help clients preserve assets while accessing necessary help with daily activities at home or in a facility. The agency can address commercial insurance needs for various work environments, including offices, warehouses, and food service operations.
With winter approaching, many St. Louis residents begin planning for the potential need for extended care, a concern that local agents at Elevated Insurance Group are equipped to address. They help clients navigate policy options to preserve savings against future medical costs. A typical initial step involves a comprehensive review of the client’s existing coverage and long-term goals before scheduling a personal assessment.
Norrell Insurance Agency assists clients in St. Louis, Missouri, with their long-term care insurance needs, focusing on policies that help cover extended medical and personal care expenses. Their specialized services include evaluating individual risk factors and plan options. They serve a variety of commercial sectors, including offices, warehouses, and food service operations, helping business owners secure coverage for their own future care requirements or that of key personnel.
Lp Miceli Inc provides long-term care insurance services to residents in St. Louis, Missouri, also covering local businesses with group policy options. As a specialist, the agency helps clients plan for future care needs and manage the financial implications of extended medical support. Appointments are offered throughout the area, ensuring access for individuals and families within the region. The agency focuses on maintaining ongoing relationships, assisting with policy adjustments or claims support whenever clients require follow-up service between regular annual reviews.
Kelli A Young And Associates LLC American Family Insurance is a Long-Term Care Insurance Agent serving the St. Louis, Missouri area. The agency assists clients in planning for potential future care needs by explaining policy options that help cover home care, assisted living, or nursing facility expenses. Representatives work with individuals to assess their personal circumstances and financial goals when exploring long-term care coverage. The firm can additionally help clients review options for integrating a life insurance policy with long-term care benefits for more comprehensive planning.
What Does a a Long-Term Care Insurance Agent in St. Louis Cost?
Long-term care insurance premiums in Missouri vary by age health and coverage level. A typical policy for a 55 year old might cost between 100 and 250 dollars per month while a 65 year old might pay 200 to 400 dollars per month. Costs are higher for richer benefits and longer benefit periods. This is general information not insurance advice.
About long-term care insurance agents in St. Louis
Long-term care insurance agents in St. Louis help residents plan for future care needs like nursing homes or home health aides. Missouri law requires agents to be licensed and follow specific rules about policy disclosures and rate stability. Working with a local agent can help you understand Missouri Partnership for Long-Term Care programs that offer asset protection.
Frequently Asked Questions
What does a long-term care insurance agent do in St. Louis?
An agent helps you compare policies from different carriers and explains coverage options for care in Missouri. They guide you through underwriting and help you choose a plan that fits your budget and health needs. Agents also assist with filing claims and understanding policy benefits.
Are there Missouri specific rules for long-term care insurance?
Yes Missouri has a 30 day free look period where you can cancel a policy for a full refund. Missouri also requires agents to provide a outline of coverage and a shoppers guide before you buy. The state regulates rate increases and requires insurers to offer inflation protection options.
How do I choose a long-term care insurance agent in St. Louis?
Look for an agent who is licensed in Missouri and has experience with long-term care policies. Ask about their knowledge of the Missouri Partnership program and how they compare multiple carriers. Check their reputation with the Missouri Department of Insurance.
Long-Term Care Insurance Agents in Other Missouri Cities
Ballwin · Blue Springs · Cape Girardeau · Chesterfield · Columbia · Florissant · Gladstone · Grandview · Independence · Jefferson City · Joplin · Kansas City · Kirkwood · Lake St Louis · Lee's Summit