The top-rated long-term care insurance agent in Xenia, Ohio is Greene County Insurance, rated 4.9 stars across 155 reviews. Other highly rated options include Doug Zeigler - State Farm Insurance Agent, Montgomery Insurance & Investments, David Spriggs - State Farm Insurance Agent. This directory lists 14 long-term care insurance agents serving Xenia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Greene County Insurance | 2039 Bellbrook Ave # A | (937) 374-0066 |
| 2 | Doug Zeigler - State Farm Insurance Agent | 280 N Detroit St | (937) 372-3700 |
| 3 | Montgomery Insurance & Investments | 114 S Detroit St | (937) 372-7646 |
| 4 | David Spriggs - State Farm Insurance Agent | 121 Dayton Ave | (937) 372-3863 |
| 5 | Perkins & Associates Insurance Inc. American Family Insurance | 25 S Detroit St | (937) 347-2002 |
| 6 | Anderson Williamson Insurance | 242 N Detroit St | (937) 372-4491 |
| 7 | Farmers Insurance - Rodney Hines | 492 W 2nd St Ste 203 | (937) 424-0643 |
| 8 | Nationwide Insurance: Kelly Jones Insurance Agency LLC | 157 Progress Dr Ste A | (937) 372-8059 |
| 9 | Farmers Insurance - Micah Windsor | 57 E Main St | (937) 502-2010 |
| 10 | Shelly's Insurance Options | 1644 Kylemore Dr | (937) 580-5372 |
Greene County Insurance serves the Xenia, Ohio area and surrounding communities by specializing in long-term care insurance agency services. Its planners help individuals understand the financial risks associated with extended care needs and guide them toward appropriate coverage options. The agency assists clients in comparing policies that address both in-home care and nursing facility expenses throughout this region. It handles the application process for hybrid life insurance plans that include long-term care benefits and traditional standalone policies.
Doug Zeigler - State Farm Insurance Agent in Xenia, Ohio, provides residential long-term care insurance services to help local families plan for future health needs. Commercial coverage options are also available for area businesses. The agency serves clients throughout Xenia and the surrounding communities. Each policy is designed to address the specific costs of extended care. Agents work with individuals to explain how these plans function in daily life. Following an initial consultation, Doug Zeigler’s office typically schedules follow-up calls to review any changes before regular renewal periods.
Montgomery Insurance & Investments serves area homeowners, business owners, and individuals concerned about future care needs, offering long-term care insurance policies tailored to personal and family financial planning. Located in Xenia, OH, the agency provides consultations to help clients understand coverage options and policy benefits, addressing the rising costs of assisted living and home health care in the region. Its service also extends to clients in Beavercreek and surrounding Greene County communities.
David Spriggs - State Farm Insurance Agent in Xenia, OH, provides long-term care insurance services designed to help clients prepare for future care needs. The agency offers policy management and reviews to maintain coverage options and address changing care scenarios. Regular consultations with the agent assist clients in adjusting plans as life circumstances evolve. The practice typically works with individual homeowners and families seeking personal asset protection, as well as residents in apartments, retail businesses, and restaurants throughout the Xenia area.
Perkins & Associates Insurance Inc. American Family Insurance serves clients in Xenia, Ohio, and the surrounding communities of Greene County with their long-term care insurance needs. The agency handles policies designed to help cover costs associated with extended nursing home stays, assisted living facilities, or in-home care services. When working with a new client, the company focuses on explaining policy options and matching coverage to that individual's specific future care planning goals.
At Anderson Williamson Insurance in Xenia, OH, clients can choose between one-time policy purchases and recurring service options for managing ongoing needs. Coverage focuses on protecting assets and ensuring access to local long-term care facilities when aging or illness requires assistance. Navigating plan details and benefit structures is handled with straightforward guidance from the agent. Service runs on an as-needed basis, allowing clients to schedule reviews and adjustments whenever their circumstances or coverage preferences change.
Farmers Insurance - Rodney Hines specializes in long-term care insurance solutions for seniors and their families in the Xenia area. The agency helps clients plan for future care needs to protect assets and relieve family burdens. Its general insurance services extend to auto, home, and life policies, offering comprehensive coverage from one local source. Rodney Hines assists homeowners reviewing policy details before winter weather arrives, ensuring adequate protection for potential property damage and liability risks.
As Ohio winters arrive, many Xenia families begin planning how to safeguard savings from sky-high nursing home costs, which is where a dedicated local resource steps in. Kelly Jones Insurance Agency LLC, part of Nationwide Insurance, addresses this concern by offering long-term care policies that help cover assisted living, home care, and skilled nursing. These plans protect assets and relieve family from bearing those expenses alone. For anyone considering protection, the initial step often involves a straightforward assessment of their health, budget, and coverage preferences to begin their search.
Farmers Insurance - Micah Windsor provides long-term care insurance guidance to individuals and families throughout Xenia, Ohio. This agency specializes in structuring policies that can help cover future assisted living, nursing home, or home-based care expenses. A core focus is protecting personal savings from the high costs of extended care. The agent works with local residents and business owners to assess potential coverage needs. Their services are available for commercial clients in settings such as offices, warehouses, and food service operations.
Shelly’s Insurance Options serves residential clients in the Xenia, Ohio area, helping them plan for long-term care needs. The company also provides commercial coverage for local businesses seeking employee benefit options. Services include policy reviews and personalized guidance through the selection process across the surrounding region. Regular appointments allow clients to revisit their plans as their needs change, with follow-up service offered between those periodic visits to address any new questions or adjustments.
What Does a a Long-Term Care Insurance Agent in Xenia Cost?
Long-term care insurance costs in Ohio vary based on age, health, and coverage level. A typical policy for a 55-year-old in Ohio may cost between $1,500 and $3,000 per year. Premiums for a 65-year-old often range from $2,500 to $5,000 annually. Costs are higher for richer benefits like unlimited duration or 5% compound inflation. This is general information, not insurance advice.
About long-term care insurance agents in Xenia
Long-term care insurance agents in Xenia, Ohio help residents plan for future care needs such as nursing home or home health aide services. Ohio law requires agents to be licensed by the Ohio Department of Insurance. Agents can explain how Ohio Partnership for Long-Term Care policies offer asset protection for eligible residents.
Frequently Asked Questions
What does a long-term care insurance agent in Xenia do?
A long-term care insurance agent helps you compare policies from different carriers. They explain coverage options, benefit periods, and inflation protection. Agents also assist with understanding Ohio-specific rules like the 90-day free look period for new policies.
How do I choose a long-term care insurance agent in Ohio?
Look for an agent licensed in Ohio with experience in long-term care products. You can verify an agents license on the Ohio Department of Insurance website. Ask about their familiarity with Ohio Partnership policies and how they tailor plans to local costs.
Are there Ohio laws that affect long-term care insurance?
Yes, Ohio requires insurers to offer inflation protection options and a 90-day free look period. Ohio also has a Partnership program that allows policyholders to protect assets equal to the benefits paid. Agents must follow Ohio disclosure rules when presenting policies.
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