The top-rated long-term care insurance agent in Melville, New York is First Heritage Insurance Agency, rated 4.9 stars across 1,453 reviews. Other highly rated options include PRK Insurance Agency Inc, YZ Insurance Group, Plan Medicare - Long Island Medicare Agent. This directory lists 21 long-term care insurance agents serving Melville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Heritage Insurance Agency | 324 S Service Rd | (631) 659-0189 |
| 2 | PRK Insurance Agency Inc | 425 Broadhollow Rd Suite 415 | (516) 799-9001 |
| 3 | YZ Insurance Group | 555 Broadhollow Rd # 303 | (516) 464-2100 |
| 4 | Plan Medicare - Long Island Medicare Agent | 48 S Service Rd Suite 400 | (516) 900-7877 |
| 5 | The Modern Medicare Agency | 445 Broadhollow Rd #25 | (631) 387-4403 |
| 6 | Senior Services of North America, Inc. | 532 Broadhollow Rd #106 | (888) 230-2199 |
| 7 | MICHAEL M INSURANCE SERVICES | 445 Broadhollow Rd #25 | (631) 774-3786 |
| 8 | Safe Haven Insurance Agency | 555 Broadhollow Rd | (631) 608-1137 |
| 9 | Eagle Group Planning Inc | 115 Broadhollow Rd Suite 375 | (631) 385-4600 |
| 10 | Jane O'Malley Insurance | 532 Broadhollow Rd #106 | (631) 804-5523 |
First Heritage Insurance Agency serves clients in the Melville, NY, area as a long-term care insurance agent. It assists individuals and families with planning for future care needs, focusing on policies that cover home health aides, assisted living, and nursing home expenses. The agency helps analyze coverage options to protect savings against high long-term care costs. It also provides customer support for enrolling in policies and understanding benefit structures within the local region.
PRK Insurance Agency Inc in Melville, NY, provides a range of long-term care insurance services, including policy evaluation and individualized plan comparisons to help clients prepare for future care needs. The company also offers ongoing account management and assistance with policy modifications, ensuring clients’ coverage adapts to changing health or financial circumstances. Its service extends to residents of single-family homes, apartments, retail spaces, and restaurants who require guidance on securing long-term care protection.
YZ Insurance Group serves homeowners and families in the Melville, NY area who are planning for future health and living expenses. It specializes in guiding clients through the process of selecting long-term care insurance policies that cover assisted living, nursing home, and in-home care costs. The firm helps individuals understand policy options and match coverage to personal needs and budgets. YZ Insurance Group also assists clients from neighboring communities across Nassau County on Long Island.
Serving the Melville area and surrounding Long Island communities, Plan Medicare - Long Island Medicare Agent handles the complexities of long-term care insurance for local clients. Its work focuses on helping individuals plan for future care needs while protecting their assets and financial independence. The agency approaches each case by first understanding a client’s personal circumstances and long-term goals, then carefully explaining policy options that fit their specific situation and budget.
The Modern Medicare Agency in Melville, NY assists clients in understanding the choice between one-time consultations for immediate needs and recurring service options for ongoing policy reviews. Long-term care insurance coverage here helps protect assets against the high costs of extended home or facility care. This agency advises on plan features such as elimination periods and benefit triggers. To accommodate varying requirements, the service runs on an as-needed basis, allowing clients to schedule sessions only when their situation changes.
Serving as a specialist in long-term care insurance, Senior Services of North America, Inc. located in Melville, NY, advises clients on policies that cover personal and custodial care not paid by standard health plans or Medicare. It helps families in the region create financial strategies to preserve savings while accessing necessary assistance at home or in a facility. As winter approaches, the agency specifically addresses concerns about securing coverage for potential recovery care after seasonal illnesses or injuries.
For many Melville families planning for the possibility of needing extended care, future health expenses can feel uncertain. MICHAEL M INSURANCE SERVICES addresses this concern by acting as a local long-term care insurance agent, helping individuals explore policy options that may protect savings. The agent guides clients through the varied coverage choices available in this region, clarifying how such plans interact with other assets. An initial consultation step typically involves a confidential review of a person’s health background and financial priorities to determine suitable policies.
Safe Haven Insurance Agency in Melville, NY, focuses on helping individuals and families prepare for the financial challenges of extended health care needs. As a long-term care insurance agent, the firm guides clients through policy options that cover home care, assisted living, and nursing facility expenses. Its work involves comparing plans from multiple carriers to address future care costs. Typical advisory services assist offices, warehouses, and food service organizations in structuring coverage for their staff and operations.
Eagle Group Planning Inc provides long-term care insurance guidance to residents in Melville and the surrounding communities. The company assists clients with understanding policy options for future care needs, whether at home or in a dedicated facility. Businesses are also supported with appropriate coverage solutions that address employee and organizational requirements. Serving the broader Long Island region, the agency conducts initial consultations to assess individual circumstances. Follow-up support is provided between regular policy reviews to address changes in health or financial situations, ensuring clients maintain suitable protection as their needs evolve.
What Does a a Long-Term Care Insurance Agent in Melville Cost?
In New York, long-term care insurance premiums vary widely based on age, health, and benefit choices. For a healthy 55-year-old, a policy with a $150 daily benefit and three-year term may cost between $1,500 and $3,000 per year. Older applicants or those with health issues may pay significantly more. This is general information and not insurance advice.
About long-term care insurance agents in Melville
Long-term care insurance agents in Melville, New York help residents plan for future care needs such as nursing home or home health aide services. New York law offers the Partnership for Long-Term Care program, which allows policyholders to protect a portion of their assets if they need to apply for Medicaid. A local agent can explain how these policies work with your retirement plan.
Frequently Asked Questions
What does a long-term care insurance agent in Melville do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and health needs. They explain policy features like benefit periods, daily benefit amounts, and inflation protection. They also guide you through New York-specific rules such as the Partnership program.
Is long-term care insurance required by law in New York?
No, long-term care insurance is not required by New York law. However, New York encourages residents to consider it through the Partnership for Long-Term Care program. This program can help you preserve assets if you later need Medicaid.
How do New York Partnership policies work?
Partnership policies are special long-term care policies that meet state standards. If you use up your policy benefits, you can apply for Medicaid and keep assets equal to the benefits paid out by your policy. This protection is unique to states like New York that have Partnership programs.
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