The top-rated long-term care insurance agent in Yakima, Washington is Vern Fonk Insurance, rated 4.9 stars across 961 reviews. Other highly rated options include Yakima Valley Insurance, Senior Solutions Group, State Farm: Eric Silvers. This directory lists 18 long-term care insurance agents serving Yakima.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Vern Fonk Insurance | 126 S 1st St Ste. C | (509) 281-7028 |
| 2 | Yakima Valley Insurance | 117 N 50th Ave | (509) 248-2100 |
| 3 | Senior Solutions Group | 3611 River Rd # 110 | (509) 494-4288 |
| 4 | State Farm: Eric Silvers | 1 N 9th St | (509) 453-8286 |
| 5 | Universal Insurance Services LLC | 307 N 3rd St # 5 | (888) 874-0208 |
| 6 | Ramos Insurance | 117 N 50th Ave | (509) 728-4192 |
| 7 | American Family Insurance - J. Munoz Agency | 5607 W Tieton Dr #100 | (509) 367-8383 |
| 8 | Kim Acacio Insurance Agency | 1115 W Lincoln Ave STE 101 | (509) 321-4227 |
| 9 | Mid-Valley Insurance | 1218 W Lincoln Ave | (509) 248-9360 |
| 10 | Pacific Crest Insurance of Yakima | 307 N 3rd St #1 | (509) 453-7296 |
Vern Fonk Insurance in Yakima, Washington, helps clients navigate the difference between purchasing a standalone long-term care policy and opting for a hybrid life insurance plan with a long-term care rider. Their coverage options address costs associated with assisted living, nursing home care, and home health aides to protect personal savings. They operate without a set schedule, instead offering services strictly on an as-needed basis to accommodate individual client planning needs.
Yakima Valley Insurance serves clients throughout Yakima County in Washington as a local long-term care insurance agent. The company helps individuals plan for future care needs by offering policies that cover nursing home stays, assisted living, and home-based care services. Long-term care insurance can offset significant costs that are not typically covered by standard health insurance or Medicare. This agency guides clients through selecting appropriate coverage and actively assists with claims filing when care becomes necessary.
Senior Solutions Group in Yakima, WA provides a range of long-term care insurance services, including helping clients understand policy options, comparing coverage from multiple carriers, and guiding them through the application process. The company also offers ongoing plan reviews and assistance with policy maintenance, ensuring clients can adapt their coverage as needs change over time. Whether for single-family homes or apartments, its services support individuals and those operating retail or restaurant properties.
Yakima residents seeking to fund future custodial care costs, as well as those planning for assisted living expenses, can work with State Farm: Eric Silvers. This agency provides long-term care insurance policies that help protect personal savings from depleting due to prolonged health needs. The agent assesses client risk factors and explains coverage options for home care or facility stays. This service area extends to Union Gap and larger Yakima County neighborhoods, ensuring nearby families have access to local guidance on financial protection for extended care.
Universal Insurance Services LLC serves clients in Yakima, Washington, and the surrounding communities. As a long-term care insurance agent, the company handles the selection and enrollment in policies that help cover expenses for extended care needs not covered by standard health insurance or Medicare. It works with individuals and families to assess potential future care requirements. To complete a typical job, the company evaluates a client’s financial situation and health details before comparing available coverage options.
Ramos Insurance provides long-term care insurance agency services in Yakima, Washington, focusing on policies that help individuals cover the high costs of extended custodial care. It works with local clients to evaluate their financial and health needs, guiding them through plan options that protect savings from future medical expenses. The agency also assists with policy management and claims clarification. Winter months often prompt families to review coverage ahead of seasonal illnesses or mobility declines that may require immediate care support.
This agency helps clients distinguish between paying for long-term care with a single premium lump sum and choosing recurring annual payment options that spread the cost over time. Coverage policies can address care in a nursing facility, an assisted living residence, or an individual’s own home in the Yakima area. Every plan outlines specific daily or monthly benefit maximums and the total lifetime benefit pool available. Service with this office is available on a one-time consultation basis or as scheduled review appointments, arranged by the client’s specific need.
As Yakima’s population ages and long-term care costs rise across central Washington, local families often seek reliable planning solutions. Kim Acacio Insurance Agency in Yakima provides guidance on long-term care insurance policies tailored to protect savings from future health expenses. The company works with clients to clarify coverage options, including facility care and home-based services, while explaining premiums and eligibility requirements. An initial assessment of a client’s current health status and financial goals begins every consultation.
Mid-Valley Insurance focuses its practice on long-term care planning for clients in and around Yakima, Washington. Its agents guide individuals and families through policy options to protect savings from future care expenses. The company supplements its core long-term care insurance work by assisting with policy comparisons, benefit eligibility assessments, and coverage customization. Mid-Valley Insurance serves the local area, providing its services to clients from professional offices, commercial warehouses, and food service operations.
Pacific Crest Insurance of Yakima provides long-term care insurance services to residents of Yakima, Washington. Their commercial coverage focuses on policies that help individuals plan for extended care needs later in life. The agency serves clients throughout the Yakima area, offering guidance on navigating coverage options to protect assets and preserve independence. Customers may return for follow-up consultations to adjust their plans as personal circumstances change, and the office maintains ongoing contact between regular visits to address new questions about policy updates.
What Does a a Long-Term Care Insurance Agent in Yakima Cost?
Long-term care insurance premiums in Washington vary widely based on age, health, benefit amount, and policy features. A typical policy for a healthy 55 year old might cost between $150 and $300 per month. Older applicants or those with health issues may pay significantly more. This is general information, not insurance advice. Always consult a licensed agent for personalized quotes.
About long-term care insurance agents in Yakima
Long-term care insurance agents in Yakima, Washington help residents plan for future care needs. These agents explain policy features and guide clients through Washington state rules, including the new WA Cares Fund payroll tax. Local agents understand the specific needs of Yakima Valley families and can compare plans from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Yakima do?
An agent helps you compare policies from different insurance companies. They explain benefit amounts, elimination periods, and inflation protection options. They also clarify how private insurance interacts with Washingtons WA Cares Fund.
Do I need long-term care insurance in Washington state?
Washington has a mandatory WA Cares Fund payroll tax that provides a limited benefit. Private long-term care insurance can cover costs beyond that benefit. An agent can help you decide if additional coverage is right for your situation.
How do I choose a long-term care insurance agent in Yakima?
Look for an agent licensed in Washington with experience in long-term care policies. Ask about their knowledge of Washington specific laws and carrier options. Check their reputation with local organizations like the Yakima Chamber of Commerce.