The top-rated long-term care insurance agent in Lancaster, Pennsylvania is HomeSale Insurance Services, rated 5.0 stars across 456 reviews. Other highly rated options include Bagnall Shaw Insurance, Susquehanna Insurance, Gebhard Insurance LLC. This directory lists 26 long-term care insurance agents serving Lancaster.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | HomeSale Insurance Services | 215 S Centerville Rd Ste B | (800) 425-5130 |
| 2 | Bagnall Shaw Insurance | 401 W Orange St | (717) 431-8383 |
| 3 | Susquehanna Insurance | 650 Delp Rd | (717) 290-7780 |
| 4 | Gebhard Insurance LLC | 90 Willow Valley Square | (717) 930-2085 |
| 5 | Eagle One Insurance Agency | 2173 Embassy Dr | — |
| 6 | Element | Insurance Agency - Lancaster | 617B N Prince St #200 | (717) 397-4729 |
| 7 | Acceptance Insurance | 454 N Prince St | (717) 356-3320 |
| 8 | Hinkle Insurance Agency - Erie Insurance | 705 Olde Hickory Rd | (717) 560-9733 |
| 9 | EHD Insurance | 1857 William Penn Way | (717) 394-5681 |
| 10 | DeverCare Insurance Group | 2127 New Holland Pike | (717) 392-6888 |
HomeSale Insurance Services serves Lancaster County, Pennsylvania, as a dedicated long-term care insurance agent. The company assists clients in planning for future care needs through individual policy selection and enrollment. Their work involves comparing coverage options from multiple insurers to protect assets and secure access to home health aides or nursing facility stays. HomeSale Insurance Services also helps families understand benefit triggers and elimination periods for local care facilities. The agency handles policy customization for shared spouse benefits and inflation protection riders.
Bagnall Shaw Insurance provides long-term care insurance planning for individuals and families in the Lancaster, PA area. It helps clients understand policy options for coverage of nursing home, assisted living, and home health care services. The agency guides customers through the application process and explains policy features. Ongoing support includes assistance with claims and policy adjustments as needs change over time. Its services are available to those residing in single-family homes, apartments, retail locations, and restaurants.
Homeowners and families in Lancaster, Pennsylvania planning for future healthcare costs turn to Susquehanna Insurance for long-term care insurance agent services. The company helps clients evaluate policy options that cover nursing home, assisted living, and home health care expenses. Its process includes assessing personal assets and anticipated needs to recommend appropriate coverage levels. Susquehanna Insurance also provides policy comparisons and application assistance for clients in nearby York County.
Gebhard Insurance LLC in Lancaster, Pennsylvania assists clients in choosing between one-time policy purchases and recurring premium payment structures for long-term care coverage. The agency explains how such insurance can help protect assets and fund care options, including home health aides, assisted living, or nursing facilities. Policyholders typically pay ongoing premiums to maintain their chosen level of benefits over time. Service runs on an as-needed basis, with consultations arranged according to each client’s individual planning needs.
Element | Insurance Agency – Lancaster serves clients in Lancaster, Pennsylvania, and the surrounding communities of the Susquehanna Valley. It handles long-term care insurance and related policies designed to help individuals plan for future care needs. The agency guides clients through policy options, focusing on coverage for home care, assisted living, and nursing facility expenses. Each engagement typically begins with a thorough review of personal circumstances, after which the agent presents tailored plan choices and explains policy terms in clear, straightforward language.
Acceptance Insurance provides long-term care insurance agent services to clients in the York, PA area. Its representatives assist individuals in planning for future care needs by explaining policy options and facilitating coverage enrollment. The agency offers ongoing support for policy maintenance, including assistance with claims coordination and coverage updates as care requirements evolve. This ensures policyholders can access their benefits when needed. It serves individuals residing in single-family homes and apartments, as well as those living in retail and restaurant properties.
As Lancaster residents begin planning for the possibility of extended care needs, Hinkle Insurance Agency provides guidance through the complexities of long-term care insurance policies. Agents work directly with clients to review personal health and financial situations, explaining how such coverage can help preserve savings while accessing necessary home health or nursing facility services. They compare available plan features from multiple carriers to match individual priorities. The initial step involves scheduling a no-pressure consultation to assess current or future care requirements alongside existing insurance benefits.
EHD Insurance assists individuals in Lancaster, Pennsylvania, with planning for future care needs through long-term care insurance. The company focuses specifically on policies that cover services such as nursing home care, assisted living, and in-home support. Clients work with an agent to navigate policy features like benefit periods and inflation protection to create a tailored plan. EHD Insurance serves adults looking to protect personal savings, as well as businesses requiring coverage for employees. Its commercial sectors include offices, warehouses, and food service operations.
DeverCare Insurance Group provides residential long-term care insurance services to individuals in Lancaster, PA. The agency also offers commercial coverage for local businesses seeking employee benefits in this area. These policies help protect families from the high costs of extended care. Clients receive knowledgeable assistance with policy selection and claims processes. The company encourages follow-up service between regular visits to adjust coverage as personal circumstances change.
What Does a a Long-Term Care Insurance Agent in Lancaster Cost?
Long-term care insurance premiums in Pennsylvania vary based on age, health, and policy features. For a 55-year-old, a policy with a $165 daily benefit and 3-year term may cost between $1,500 and $3,000 per year. At age 65, the same policy could cost $2,500 to $5,000 annually. Costs also depend on inflation protection and elimination period choices. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in Lancaster
Long-term care insurance agents in Lancaster, Pennsylvania help residents plan for future care costs. These agents guide clients through policy choices that comply with Pennsylvania regulations, including the state partnership program which allows policyholders to protect assets. Working with a local agent ensures you understand how Pennsylvania law affects your coverage and benefits.
Frequently Asked Questions
What does a long-term care insurance agent in Lancaster do?
A long-term care insurance agent in Lancaster helps you compare policies from different insurers. They explain coverage options, costs, and how Pennsylvania partnership plans work. The agent also assists with the application process and answers questions about state-specific rules.
Does Pennsylvania have a long-term care partnership program?
Yes, Pennsylvania has a Long-Term Care Partnership Program. This program allows policyholders to protect a portion of their assets equal to the benefits paid by the policy. It is designed to encourage people to buy private insurance and reduce reliance on Medicaid.
Are there time limits for buying long-term care insurance in Pennsylvania?
Pennsylvania does not have a state-mandated time limit to buy a policy. However, insurers often have age limits and health underwriting requirements. Premiums increase with age, so buying earlier can lock in lower rates. Some policies have a 30-day free look period after purchase.
Long-Term Care Insurance Agents in Other Pennsylvania Cities
Allentown · Belle Vernon · Bensalem · Bethlehem · Blue Bell · Collegeville · Cranberry Twp · Doylestown · Drexel Hill · Easton · Erie · Exton · Harrisburg · Havertown · Hazleton