Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 20 long-term care insurance agents in Saratoga Springs, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Kyle Magne - State Farm Insurance Agent
120 West Ave Apartment 102, Saratoga Springs, NY 12866
(518) 633-1010
saratogaagent.com
Bob Fitch - State Farm Insurance Agent
440 Maple Ave, Saratoga Springs, NY 12866
(518) 409-8685
bobfitchinsurance.com
Dione Ramsdill - State Farm Insurance Agent
4286 NY-50, Saratoga Springs, NY 12866
(518) 581-7010
dioneramsdill.com
Jenks Family Insurance Agency, LLC
11 Ballston Ave, Saratoga Springs, NY 12866
(518) 581-1111
jenksfamilyinsurance.com
Lubica Mills - State Farm Insurance Agent
8 Circular St Suite 3, Saratoga Springs, NY 12866
(518) 587-6483
lcmillsinsurance.com
Todd Harvey Farmers Insurance
2 Smith Bridge Rd, Saratoga Springs, NY 12866
(518) 693-6893
agents.farmers.com
Armor Group Insurance Agency
340 Broadway Ste 301, Saratoga Springs, NY 12866
(518) 952-4296
armorgroupinsurance.com
AAA Saratoga
26 West Ave, Saratoga Springs, NY 12866
(518) 587-8529
northway.aaa.com
Steve Cook - State Farm Insurance Agent
6 Franklin Square Ste E, Saratoga Springs, NY 12866
(518) 581-8240
stevecooksfinsurance.com
Cote Insurance Agency
68 Weibel Ave, Saratoga Springs, NY 12866
(518) 587-3303
savewithcote.com
Thomas McCurry: Allstate Insurance
468 Maple Ave, Saratoga Springs, NY 12866
(518) 306-5315
agents.allstate.com
Nicole DellaPorta - State Farm Insurance Agent
3257 US-9 Ste 4, Saratoga Springs, NY 12866
(518) 587-0136
nicoledellaporta.com
Robert J. Hoy Agency, Inc.
538 Maple Ave Suite C, Saratoga Springs, NY 12866
(518) 583-2025
hoyagency.com
Maureen Hallaran, Licensed Medicare Agent
120 West Ave Apartment 302, Saratoga Springs, NY 12866
(518) 581-1642
mosaicwsg.com
Saratoga Medicare Group
125 High Rock Ave suite 215, Saratoga Springs, NY 12866
(518) 528-1550
saratogamedicare.com
Nationwide Insurance: Michael O. Murphy
195 Washington St, Saratoga Springs, NY 12866
(518) 584-1715
Fragomeni Insurance
3257 US-9 Suite 3, Saratoga Springs, NY 12866
(518) 584-4200
fragomeni-insurance.com
ADAMS STATION INSURANCE AGENCY INC
229 Washington St, Saratoga Springs, NY 12866
(518) 512-5247
adamsstationinsurance.com
Vitality Insurance Agency NY
513 Broadway, Saratoga Springs, NY 12866
(518) 620-8429
Vivid Insurance Service
35 Henry St, Saratoga Springs, NY 12866
(518) 594-6731
Long-term care insurance agents in Saratoga Springs help residents plan for future care needs. New York state requires agents to be licensed and follow specific rules under the New York Insurance Law. These agents can explain policies that cover home care, assisted living, and nursing home costs.
What Does a Long-Term Care Insurance Agent in Saratoga Springs Cost?
Long-term care insurance premiums in New York vary by age, health, and coverage level. For a 55-year-old, a policy with a $150 daily benefit and 3-year term may cost between $1,500 and $3,000 per year. Older applicants or those with health issues may pay more. 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 do in Saratoga Springs?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options, costs, and how New York state laws affect your policy. They do not provide legal advice but can guide you through the application process.
Does New York have a special long-term care partnership program?
Yes, New York has a Long-Term Care Partnership Program that allows you to protect assets equal to the benefits paid by your policy. This program is available through licensed agents in Saratoga Springs. It helps residents qualify for Medicaid without spending down all assets.
What is the New York state waiting period for long-term care insurance claims?
New York state does not set a specific waiting period for all policies. The waiting period, also called an elimination period, is chosen by the policyholder when buying the plan. Common waiting periods are 30, 60, or 90 days before benefits begin.