The top-rated long-term care insurance agent in Huntington, New York is The Michaels Group, rated 5.0 stars across 756 reviews. Other highly rated options include Kelly Schumacher - State Farm Insurance Agent, Joe Mattera - State Farm Insurance Agent, Borg Insurance Agency. This directory lists 21 long-term care insurance agents serving Huntington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Michaels Group | 425 New York Ave Suite 102 | (631) 629-2233 |
| 2 | Kelly Schumacher - State Farm Insurance Agent | 1870 E Jericho Tpke Unit 9 | (631) 629-4100 |
| 3 | Joe Mattera - State Farm Insurance Agent | 82 Main St #101 | (631) 683-5400 |
| 4 | Borg Insurance Agency | 148 E Main St #106 | (631) 673-7600 |
| 5 | Shane Roer Agency Inc. | 7 High St Ste 305 | (631) 923-2840 |
| 6 | Michelle Laglenne-Spronck - State Farm Insurance Agent | 1160 E Jericho Tpke Suite109 | (631) 427-4636 |
| 7 | Heather Schaefer - State Farm Insurance Agent | 158 E Main St #1 | (631) 479-4809 |
| 8 | Milton Choto: Allstate Insurance | 595 W Jericho Turnpike | (631) 271-0056 |
| 9 | Chris Stewart - State Farm Insurance Agent | 9 Semon Rd | (631) 923-3268 |
| 10 | Renee Berges - State Farm Insurance Agent | 490 New York Ave | (631) 424-6333 |
The Michaels Group serves the Huntington, New York area, specializing in long-term care insurance agency services. It helps local residents understand various policy options for future care needs. Coverage plans commonly address in-home assistance, assisted living, and skilled nursing facility scenarios. The agency can assist with comparing different benefit structures and elimination periods. It supports clients with applications for facility-based daily care benefits and home health aide coverage.
Kelly Schumacher, a State Farm Insurance Agent in Huntington, NY, provides a range of services focused on helping clients secure long-term care insurance coverage to protect assets and ensure future care needs are met. The agency offers guidance on policy options and assists with maintaining existing plans through regular reviews and updates. Service plans include personalized consultations to evaluate individual circumstances and long-term health requirements. The agency services single-family homes, apartments, retail, and restaurants within the local community.
Joe Mattera - State Farm Insurance Agent serves Huntington, NY, and the surrounding Long Island communities. The agency handles long-term care insurance policies designed to help protect clients from the high costs of extended medical or custodial care needs. A long-term care insurance agent in this area works with individuals and families to explore coverage options that can help pay for home care, assisted living, or nursing home services. The agent typically begins by reviewing a client's current financial situation and health background to identify appropriate plan choices.
Residents and families in Huntington, NY, turn to Borg Insurance Agency for personalized guidance on long-term care insurance. The agency helps clients navigate policies that cover nursing home, assisted living, and home-based care expenses. Factors like qualifying health history and financial planning are explained clearly during consultations. The goal is to match each individual with a suitable benefit structure that protects savings from the high costs of future care needs. Their services also extend to clients throughout the broader Suffolk County area, including communities such as Cold Spring Harbor.
For a one-time consultation, a client may explore policy options, while scheduled service often involves ongoing policy reviews. Long-term care insurance agents in Huntington, NY, such as Shane Roer Agency Inc., assist individuals with coverage that helps pay for assisted living, nursing home care, or home health aides. This process typically includes explaining benefit triggers, inflation riders, and elimination periods to match personal financial plans. Service at this agency generally runs on an as-needed basis, allowing clients to request appointments or policy updates when their circumstances change.
Michelle Laglenne-Spronck - State Farm Insurance Agent specializes in helping clients navigate long-term care insurance policies and coverage options. Drawing on the resources of a major national insurer, she provides guidance tailored to the needs of individuals and families in the Huntington area. Services include assessing potential future care costs, comparing policy benefits, and creating personalized plans to protect assets. As the winter months approach, many local residents seek her assistance in reviewing coverage to prepare for seasonal health risks and increased care needs.
Heather Schaefer - State Farm Insurance Agent in Huntington, NY provides insurance services for individuals and families. The agency’s offerings include policies specifically designed for long-term care needs, covering services such as in-home support or assisted living facilities. They work with clients to find appropriate coverage strategies for future healthcare expenses. This agency serves commercial sectors including local offices, warehouses, and food service businesses.
As winter approaches on Long Island, many residents consider how to fund potential future care needs without depleting savings. Milton Choto: Allstate Insurance in Huntington helps local families navigate long-term care insurance options suited to life in this region. The agency explains policy features like inflation protection and benefit triggers that matter for New York seniors. An initial complimentary consultation can be scheduled to review personal health histories and financial situations, determining coverage gaps before any formal application process begins.
Chris Stewart - State Farm Insurance Agent in Huntington, NY provides long-term care insurance services to residents in the area, helping clients plan for future healthcare needs. The agency also offers commercial coverage options for local businesses and serves the broader Huntington community. Individual plans are designed to protect assets and cover home or facility care expenses. The agent assists with initial policy selection and remains available for follow-up service or policy adjustments between regular scheduled visits.
Renee Berges - State Farm Insurance Agent in Huntington, NY, offers long-term care insurance, helping clients plan for future assisted living, nursing home, or in-home care expenses. The agency provides guidance on policy options that address potential health needs while protecting personal savings. Services include personalized consultations to evaluate coverage amounts suited to individual financial situations and care preferences. Specialty services available include combining long-term care insurance with life insurance policies to provide added financial flexibility.
What Does a a Long-Term Care Insurance Agent in Huntington Cost?
Long-term care insurance premiums in New York vary based on age, health, and policy features. For a 55-year-old in Huntington, a typical policy might cost between 1,500 and 3,000 dollars per year. A 65-year-old could pay 2,500 to 5,000 dollars annually. Costs are higher for more comprehensive coverage or shorter waiting periods. This is general information, not insurance advice.
About long-term care insurance agents in Huntington
Long-term care insurance agents in Huntington, New York help residents plan for future care needs. New York has a Partnership for Long-Term Care program that allows policyholders to protect assets while qualifying for Medicaid. Agents in Huntington can explain how these state-specific policies work and compare plans from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Huntington do?
An agent helps you evaluate and purchase long-term care insurance policies. They explain coverage options, costs, and how New York Partnership policies can coordinate with Medicaid. The agent does not provide legal advice but can guide you on plan features.
Is long-term care insurance required in New York?
No, long-term care insurance is not required by New York law. However, it can help cover costs not paid by Medicare or regular health insurance. New York residents may consider it to protect savings and qualify for Medicaid benefits under the Partnership program.
How do New York Partnership policies work?
New York Partnership policies allow you to keep a certain amount of assets equal to the benefits paid by the policy. This means if your policy pays out 200,000 dollars in benefits, you can keep 200,000 dollars in assets and still qualify for Medicaid. An agent can explain the specific rules and eligibility.
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