The top-rated long-term care insurance agent in Middletown, Ohio is Acceptance Insurance, rated 4.8 stars across 215 reviews. Other highly rated options include Crisp & Company Insurance, Moon & Adrion Insurance Agency, Inc., Michael Schanne - State Farm Insurance Agent. This directory lists 18 long-term care insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 4347 Roosevelt Blvd B | (513) 798-7131 |
| 2 | Crisp & Company Insurance | 4496 Marie Dr | (513) 433-3433 |
| 3 | Moon & Adrion Insurance Agency, Inc. | 180 N Breiel Blvd | (513) 422-4504 |
| 4 | Michael Schanne - State Farm Insurance Agent | 1547 S Breiel Blvd | (513) 424-1457 |
| 5 | Jason Nemeth - State Farm Insurance Agent | 1008 N University Blvd | (513) 424-5388 |
| 6 | Redding Ins | 110 N Breiel Blvd | (513) 424-2005 |
| 7 | Maddox Insurance Agency, LLC | 3246 Dixie Hwy Suite 1 | (513) 424-0966 |
| 8 | Phoenix Insurance Consultants | 1014 N University Blvd | (513) 424-5305 |
| 9 | Micheal Smith Insurance Agency | 1051 Summit Dr | (513) 422-5570 |
| 10 | Dobrozsi Insurance | 1820 1st Ave | (513) 423-4696 |
Acceptance Insurance focuses on residential long-term care planning for clients in and around Middletown, Ohio, helping individuals prepare for future custodial needs at home or in assisted living facilities. The agency also offers commercial coverage options for care providers seeking to protect their operations. Service extends throughout the local area and nearby communities. Clients often return for policy reviews and updates between regular visits, ensuring coverage adapts to changing health situations or care preferences.
Crisp & Company Insurance serves the Middletown, Ohio area as a long-term care insurance agent. The firm assists local families in planning for future care needs by securing policies that cover nursing home stays, assisted living, and home-based personal care. Because long-term care costs can strain retirement savings, the agent works with individuals to evaluate policy options that fit their health status and budget. Crisp & Company Insurance specifically handles traditional long-term care policies and hybrid life insurance policies with long-term care riders.
Moon & Adrion Insurance Agency, Inc. provides long-term care insurance guidance and policy placement for residents of the Middletown, Ohio area. Its services include reviewing clients’ potential future care needs and explaining coverage options to protect assets and maintain independence. The agency assists with policy maintenance, such as updating beneficiaries or adjusting benefits as circumstances change. It also helps clients navigate claims procedures when care becomes necessary. Moon & Adrion serves individual homeowners, apartment dwellers, retail workers, and restaurant employees seeking long-term care protection.
Michael Schanne - State Farm Insurance Agent serves homeowners, businesses, and property managers in Middletown, Ohio, who need long-term care insurance coverage. The agency helps clients plan for future medical and custodial care expenses through personalized policy evaluations. Services include comparing plan options and reviewing benefit structures to meet individual needs. Supporting long-term care insurance needs throughout the Miami Valley metro area, the agency also extends its services to clients in nearby Franklin.
Jason Nemeth - State Farm Insurance Agent serves Middletown, OH, and the surrounding communities of Butler and Warren counties. The agency handles long-term care insurance, which provides coverage for services like in-home care, assisted living, or nursing home stays that typical health insurance does not cover. To address a client's needs, the agent begins by reviewing their current health situation and financial goals, then compares policy options from the company’s available portfolio to recommend a plan that fits both their budget and future care preferences.
Redding Ins specializes in long-term care insurance, offering policies designed to help plan for assisted living, home health care, and nursing home expenses. The agency works with local individuals and families across Middletown, OH, explaining complex coverage options and eligibility requirements. Their general service includes benefit comparisons and application guidance for long-term care protection. As retirement costs rise, Redding Ins helps clients address the seasonal financial pressure of medical care during the annual open enrollment period.
Maddox Insurance Agency, LLC in Middletown, OH distinguishes between one-time policy consultations for those reviewing existing benefits and recurring service options for clients planning future coverage. Their work focuses on helping individuals understand how long-term care insurance can protect assets against the high costs of extended custodial or home healthcare. The agency evaluates client needs and explains policy features, such as daily benefit amounts and inflation protection. Service runs on an as-needed basis, typically prompted by life changes like retirement planning or a shift in health status.
As Middletown residents begin to plan for the increasing costs of assisted living and in-home care, Phoenix Insurance Consultants offers guidance on policies that can fund these services. Located locally, the agency specializes solely in long-term care insurance, helping clients navigate benefit structures to protect personal assets and access quality care without burdening family. Understanding local rates for skilled nursing facilities in the surrounding Butler County area is central to its advice. A typical first step is a personalized consultation to assess current health and financial needs.
Micheal Smith Insurance Agency helps individuals plan for the financial challenges of aging, focusing specifically on long-term care insurance. The agency provides guidance on policies that cover home health aides, assisted living, and nursing home costs not paid by standard health plans. Local clients often seek plans that protect savings while they remain in the Middletown area. The agency can serve small offices, large office complexes, warehouses, and commercial food service operations needing coverage for their workforce.
What Does a a Long-Term Care Insurance Agent in Middletown Cost?
In Ohio a long-term care insurance policy for a 55 year old typically costs between $1,500 and $3,000 per year depending on the benefit amount and inflation options. Premiums for a 65 year old can range from $2,500 to $5,000 annually. Costs vary widely based on age health and coverage level. This is general information not insurance advice.
About long-term care insurance agents in Middletown
Long-term care insurance agents in Middletown Ohio help residents plan for future care costs like nursing homes or home health aides. Ohio law offers a partnership program that allows policyholders to protect some assets while qualifying for Medicaid. Local agents can explain how these plans work with your retirement strategy.
Frequently Asked Questions
What does a long-term care insurance agent in Middletown do?
An agent helps you compare policies from different insurers and explains coverage options for home care or facility care. They also advise on Ohio specific rules such as the Long-Term Care Partnership Program which can help you keep assets if you later need Medicaid.
How do I know if I need long-term care insurance in Ohio?
If you are over 50 and have significant savings you want to protect, a policy may be useful. Ohio residents pay some of the highest nursing home costs in the Midwest so insurance can help avoid spending down assets.
Are there Ohio laws that affect long-term care insurance policies?
Yes Ohio requires insurers to offer inflation protection and allows you to cancel within 30 days for a full refund. The state also regulates rate increases so agents must disclose any history of premium hikes on a policy.
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