The top-rated long-term care insurance agent in Beavercreek, Ohio is Jack Herbst - State Farm Insurance Agent, rated 5.0 stars across 230 reviews. Other highly rated options include Michael Saylor - State Farm Insurance Agent, Matulka Insurance Agency, Miller Insurance & Financial Services, LLC. This directory lists 14 long-term care insurance agents serving Beavercreek.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jack Herbst - State Farm Insurance Agent | 3297 Seajay Dr | (937) 426-1000 |
| 2 | Michael Saylor - State Farm Insurance Agent | 3797 Dayton Xenia Rd | (937) 426-9834 |
| 3 | Matulka Insurance Agency | 2262 County Line Rd | (937) 781-0011 |
| 4 | Miller Insurance & Financial Services, LLC | At The Greene, 70 Birch Alley Ste250 | (937) 427-3600 |
| 5 | Reichley Insurance Agency powered by OneDigital | 2440 Dayton Xenia Rd A | (937) 429-0655 |
| 6 | Competitive Insurance Group | 2496 Commons Blvd | (937) 552-2055 |
| 7 | Cotterman & Associates LLC American Family Insurance | 4049 Dayton Xenia Rd STE 204 | (419) 318-5935 |
| 8 | Lampton Engle & Associates | 1326 Parkway Ct | (937) 427-8444 |
| 9 | Medicare and Retirement Solutions Group | 2727 Fairfield Cmns | (937) 416-2991 |
| 10 | Andrew Stallard American Family Insurance | 4049 Dayton Xenia Rd STE 204 | (937) 426-6545 |
Jack Herbst - State Farm Insurance Agent serves the Beavercreek, Ohio, area, offering long-term care insurance coverage. This type of policy helps individuals manage the costs of extended care services, such as assisted living or home health aides, which are not typically covered by standard health insurance. As a local agent, Jack Herbst assists clients in Beavercreek with selecting a plan that fits their financial needs and future care preferences. The agency handles both individual long-term care policies and supplemental options to address chronic illness expenses.
Michael Saylor - State Farm Insurance Agent in Beavercreek, OH, provides long-term care insurance planning to help individuals prepare for future care needs. Service offerings include policy reviews and guidance on selecting coverage that aligns with personal circumstances. The agency assists clients in understanding plan structures, including benefit triggers and daily benefit amounts. Its maintenance services involve annual policy check-ins and support during claims initiation. This office services single-family homes, apartments, retail locations, and restaurants within the Beavercreek area.
Matulka Insurance Agency serves individuals and families in Beavercreek, Ohio, who are planning for future healthcare needs. The agency specializes in long-term care insurance, helping clients protect assets and maintain independence as they age. Policies can cover in-home care, assisted living, and nursing facility expenses, offering financial security against rising care costs. Local agents provide personalized guidance, comparing coverage options from multiple carriers. The agency also serves the wider Dayton metro area, including nearby communities such as Fairborn and Centerville.
Miller Insurance & Financial Services, LLC, located in Beavercreek, OH, distinguishes between one-time policy consultations and ongoing service arrangements for long-term care coverage. For clients considering protection, the agency helps evaluate policy options that guard against the high costs of extended nursing home, assisted living, or home-based care in the region. Rather than only initial plan selection, their approach can include periodic policy reviews or claims support. Service runs on either a one-time, scheduled, or as-needed basis according to each client’s ongoing needs throughout the life of the policy.
Serving Beavercreek and the surrounding communities of Greene and Montgomery Counties, Reichley Insurance Agency powered by OneDigital handles long-term care insurance planning for clients. The agency assists individuals with policies that help cover the cost of home care, assisted living, and nursing facility stays. A typical client engagement begins by reviewing the person's current health and financial picture, then comparing available policy features and benefit structures to build a coverage plan that addresses their potential future care needs.
Competitive Insurance Group works with individuals in Beavercreek, Ohio, to secure appropriate long-term care insurance policies. The agency specializes in evaluating future health and financial needs, assisting clients in selecting coverage that can help pay for extended nursing, home health, or assisted living services. Its agents help families understand policy options and application requirements for this often complex insurance product. Competitive Insurance Group can serve the coverage needs of local offices, warehouses, and food service operations.
Cotterman & Associates LLC American Family Insurance provides focused long-term care insurance planning for Beavercreek residents. The agency helps clients review policy options that address future needs for home care, assisted living, or nursing facility expenses. Understanding coverage terms and benefit eligibility is part of its general service work. The agency assists families in coordinating these protections with broader financial and retirement strategies. For those approaching retirement or facing a recent change in health, a timely review of existing long-term care coverage can help address the rising costs of care in this area.
Serving residential clients in Beavercreek, Lampton Engle & Associates assists individuals in arranging long-term care insurance policies to help cover future needs. Commercial coverage options are also available for local businesses seeking employee benefits or key-person protection. Serving the Greater Dayton area, the agency helps clients compare policy features and costs from various carriers to find suitable plans. They coordinate with providers and answer ongoing questions, ensuring clients understand their coverage between regular policy reviews and follow-up service visits.
Medicare and Retirement Solutions Group, based in Beavercreek, OH, is known for helping local residents navigate the complexities of long-term care insurance to protect assets and future care needs. The agency offers guidance on policy selection, cost comparisons, and the often-overlapping rules of Medicare and private health coverage. Clients can evaluate coverage options that address comprehensive services for chronic conditions. As a specialty add-on, the agency can assist with hybrid life insurance policies that include a long-term care benefit rider and cash value accumulation.
As winter approaches in Beavercreek, many families begin considering how to protect their savings from the rising costs of extended care. Andrew Stallard American Family Insurance addresses this concern by helping clients understand long-term care insurance policies that can cover home health aides, assisted living, or nursing facility stays. The agent explains coverage limits, elimination periods, and inflation protection options tailored to individual retirement plans and health histories. A thorough assessment begins with a confidential review of financial assets and personal care preferences to identify suitable policy structures.
What Does a a Long-Term Care Insurance Agent in Beavercreek Cost?
Long-term care insurance premiums in Ohio vary by age, health, and benefit amount. For a 55-year-old in Beavercreek, a policy with a 3-year benefit period and 5% compound inflation may cost between $1,500 and $3,000 per year. Premiums increase with age and health conditions. This is general information and not insurance advice.
About long-term care insurance agents in Beavercreek
Long-term care insurance agents in Beavercreek, Ohio help residents plan for future care needs. Ohio law allows for partnership policies that provide asset protection under the Ohio Long-Term Care Partnership Program. These agents can explain how such policies meet state requirements and coordinate with Medicaid planning.
Frequently Asked Questions
What does a long-term care insurance agent in Beavercreek do?
An agent helps you compare policies from multiple carriers to find coverage that fits your budget and health needs. They explain Ohio partnership policies which let you keep more assets if you later need Medicaid. The agent also guides you through underwriting and application steps.
Are there Ohio-specific rules for long-term care insurance?
Yes. Ohio requires that all long-term care policies include inflation protection unless you waive it in writing. The state also has a 30-day free look period where you can cancel a policy for a full refund. Agents must be licensed by the Ohio Department of Insurance.
How do Ohio partnership policies work?
Partnership policies are approved by the state and allow dollar-for-dollar asset protection. For every dollar your policy pays out, you can keep that same amount in assets and still qualify for Ohio Medicaid. This protection is portable if you move to another partnership state.
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