The top-rated long-term care insurance agent in Somers, New York is The K Merritt Agency, rated 4.8 stars across 268 reviews. Other highly rated options include City Building Owners Insurance, Girolamo Insurance, Health Plans NY Group Health Insurance Experts New York. This directory lists 11 long-term care insurance agents serving Somers.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The K Merritt Agency | 366 US-202 | (914) 276-3400 |
| 2 | City Building Owners Insurance | 293 NY-100 #109 | (877) 576-5200 |
| 3 | Girolamo Insurance | 253 US-202 | (914) 962-9777 |
| 4 | Health Plans NY Group Health Insurance Experts New York | 189 NY-100 | (914) 633-1717 |
| 5 | Richard Sweig Insurance | Max Broker Services LLC | 30 David Rd | (914) 248-6797 |
| 6 | Growth Insurance New York | 100 W Hill Dr | (914) 477-3651 |
| 7 | Stuart E Cohen Ltd | 293 NY-100 | (877) 576-5200 |
| 8 | The Gerlitz Group | The Cottage House, 189 NY-100 | (914) 277-2227 |
| 9 | Acrisure Somers, NY (Hudson Sound Brokerage Corporation) | 101 The Ln | (914) 669-6000 |
| 10 | MCM Agency Inc | 293 NY-100 Suite 103 | (914) 276-0469 |
The K Merritt Agency serves the Somers, New York area as a long-term care insurance agent. The firm helps individuals and families review their options for managing future care needs, including nursing home and home health aide coverage. Typical work involves explaining how policies pay for daily living assistance and personal care services. The agency specifically handles consultations for asset protection planning and policy comparisons for in-home care coverage.
City Building Owners Insurance in Somers, NY, provides a range of services related to long-term care insurance planning for local residents and business owners. Its offerings help clients understand policy options and coverage structures tailored to future care needs. The agency assists with initial plan selection and provides ongoing support for policy maintenance and periodic reviews. It focuses on helping property owners in the area prepare for potential long-term care expenses. The agency services single-family homes, apartments, retail spaces, and restaurants.
Girolamo Insurance assists homeowners, business owners, and retirees in Somers, New York, with securing personal long-term care coverage. The company focuses on helping clients plan for future care needs, offering policy options that cover home health aides, assisted living, and nursing home expenses. A local agent provides guidance on navigating complex plan terms and benefit structures suited to individual budgets. Girolamo Insurance also serves clients throughout Westchester County, including nearby Yorktown Heights and Mount Kisco.
Health Plans NY Group Health Insurance Experts New York serves individuals and families throughout Somers, New York, and the surrounding Westchester County communities. It handles long-term care insurance policies designed to help clients plan for future care needs that typical health coverage does not address. The agency typically begins by evaluating a client’s current health situation and financial goals. It then compares policy options from multiple carriers to recommend a plan that aligns with those specific circumstances, ensuring the coverage provides adequate daily benefits and inflation protection.
While some clients explore a single policy to address immediate future needs, others require recurring reviews to adjust coverage as premiums or health conditions shift. Richard Sweig Insurance | Max Broker Services LLC in Somers, NY assists with long-term care insurance, helping to explain local policy options and underwriting nuances. Services are not limited to a one-time sale; they can be scheduled for annual policy check-ups or provided on an as-needed basis when circumstances like a change in income or health arise.
Serving clients in Somers, New York, Growth Insurance New York provides assistance with long-term care insurance planning. The agency helps individuals evaluate policies that cover nursing home stays, assisted living facilities, and in-home care services. It guides residents through the process of comparing plan features to protect assets and secure future care needs. As winter approaches, the company assists with coverage adjustments for older adults who may face seasonal health transitions that require extended at-home or facility-based care.
When local residents in Somers begin planning for future healthcare costs, Stuart E Cohen Ltd assists with long‑term care insurance solutions tailored to individual needs. The company helps clients navigate policy options covering nursing home care, home health aides, and assisted living expenses, which are common considerations for older adults in the area. An initial assessment begins with a confidential consultation to review personal circumstances, after which a no‑obligation policy review and premium estimate are provided.
As a long-term care insurance agent, The Gerlitz Group helps individuals and families in Somers, NY, plan for potential future medical and personal care needs. Their specialty includes assistance with navigating policy options that cover costs not typically included under standard health insurance. Such planning helps clients protect their assets and relieve family members from the sole burden of caregiving decisions and expenses. This agent is available to serve commercial sectors, including offices, warehouses, and food service organizations seeking employee benefit solutions.
As a residential long-term care insurance agent in Somers, NY, Acrisure Somers, NY (Hudson Sound Brokerage Corporation) helps local clients select policies that cover home care, assisted living, and nursing facility expenses. For commercial clients, the agency analyzes group benefit plans and business continuation strategies within the region. Service extends throughout Westchester and surrounding areas. After an initial consultation, the agent provides annual plan reviews and benefit updates, supporting clients during life changes or policy adjustments between regular visits.
MCM Agency Inc, based in Somers, NY, is known as a long-term care insurance agent serving individuals and families in the surrounding area. The agency guides clients through planning for potential long-term care needs, offering consultations to review policy options and coverage strategies. Additional services often include cost analysis for future care scenarios, and its work integrates with broader financial planning for retirement assets found in this region. For those seeking extended coverage solutions, it can also assist with securing hybrid life and long-term care insurance policies.
What Does a a Long-Term Care Insurance Agent in Somers Cost?
Long-term care insurance premiums in New York vary widely based on age, health, benefit amount, and policy features. A typical policy for a 55-year-old might cost between $1,500 and $3,000 per year for a basic plan with a three-year benefit period. Partnership plans may have slightly higher premiums but offer asset protection. This is general information and does not constitute insurance advice.
About long-term care insurance agents in Somers
Long-term care insurance agents in Somers, New York help residents plan for future care costs while protecting assets. New York law offers the Partnership for Long-Term Care program, which allows policyholders to keep more assets when qualifying for Medicaid. A local agent can explain how these state-specific plans work with your financial situation.
Frequently Asked Questions
What does a long-term care insurance agent in Somers do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and needs. They explain benefit triggers, inflation protection, and elimination periods. In New York, agents must be licensed by the Department of Financial Services.
What is the New York Partnership for Long-Term Care?
This is a state program that lets you keep assets equal to the benefits your policy pays out if you later need Medicaid. Only policies with a Partnership endorsement qualify. An agent can tell you if a Partnership plan is right for you.
How do I choose a long-term care insurance agent in Somers?
Look for an agent with experience in long-term care policies and knowledge of New York regulations. Ask about their familiarity with local care costs in Westchester County and nearby areas. Check their license status on the New York State Department of Financial Services website.
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