The top-rated long-term care insurance agent in Yuma, Arizona is Morales Insurance Group, rated 4.9 stars across 935 reviews. Other highly rated options include Martin Armijo - State Farm Insurance Agent, Yuma Medicare Supplement Specialist - Luz Rios, Inszone Insurance Services. This directory lists 20 long-term care insurance agents serving Yuma.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Morales Insurance Group | 1406 S 4th Ave | (928) 276-4543 |
| 2 | Martin Armijo - State Farm Insurance Agent | 708 E 32nd St | (928) 341-1150 |
| 3 | Yuma Medicare Supplement Specialist - Luz Rios | 2260 S 4th Ave SUITE L1 | (928) 216-2404 |
| 4 | Inszone Insurance Services | 11487 S Fortuna Rd #3 | (928) 342-3077 |
| 5 | Empire Heritage Insurance | 13345 E 43rd Ln | (480) 710-5675 |
| 6 | Yuma Medicare Store | 2260 S 4th Ave Suite L | (928) 247-9178 |
| 7 | Yuma Insurance, Inc. | 2691 S 4th Ave | (928) 344-3500 |
| 8 | R L Jones Insurance Services Inc | 2180 S 4th Ave D | (928) 627-8212 |
| 9 | Melissa Duron American Family Insurance | 1929 S Arizona Ave #1 | (928) 317-1111 |
| 10 | The Adams Agency | 2850 S Pacific Ave # L | (928) 341-9622 |
Morales Insurance Group serves Yuma, Arizona, as a local specialist in long-term care insurance agency services. This agency guides individuals through the process of evaluating long-term care insurance policies, which help cover the costs of extended personal care and support. The firm focuses on helping clients protect assets and maintain independence as they age. Responsibilities include comparing policy benefits, explaining elimination periods, and addressing coverage for in-home care or assisted living facilities. Morales Insurance Group handles policy comparisons for home health aide services and consultations for skilled nursing facility coverage.
Martin Armijo - State Farm Insurance Agent serves homeowners, retirees, and families in Yuma, Arizona who are planning for future healthcare expenses and asset protection. As a Long-Term Care Insurance Agent, the agency helps clients explore policies that cover assisted living, nursing home care, and in-home support services not typically paid by standard health plans. This ensures residents can access necessary care without depleting personal savings. The agency also extends its services to clients in the neighboring Somerton area.
Yuma Medicare Supplement Specialist - Luz Rios serves seniors and their families who are planning for future care needs in Yuma, Arizona. The agency guides clients through the selection of long-term care insurance policies that help cover costs for assisted living, nursing home stays, or in-home support services. Luz Rios provides personalized consultations to explain policy options and coverage details. This business also works with residents in the neighboring community of Somerton and other parts of the greater Yuma metropolitan area.
Inszone Insurance Services provides comprehensive long-term care insurance guidance to individuals and families in the Yuma area. Its agency works with clients to understand coverage options that protect assets during extended health needs. Ongoing service includes policy reviews and claims assistance to ensure benefits remain aligned with changing circumstances over time. The company serves homeowners in single-family residences, tenants in apartments, commercial property operators, and owners of retail establishments and restaurants.
Empire Heritage Insurance assists clients in Yuma, Arizona with navigating the important distinction between one-time consultations for immediate needs and recurring service plans for ongoing policy management. The agency provides guidance on selecting long-term care coverage that addresses potential costs for assisted living, nursing home care, or in-home support. Service is arranged on an as-needed basis, allowing clients to access expert advice when their situation or policies require review or adjustment.
During Arizona’s hot summer months, many older Yuma residents begin planning for future care needs, and Yuma Medicare Store provides personalized long-term care insurance guidance. The agency helps local clients understand policy options that cover extended nursing or home-based assistance. Its straightforward process starts with an initial needs assessment to review health history, budget, and coverage goals. A consultation then evaluates individual circumstances before recommending a suitable plan. This initial inspection step ensures every client receives an informed, risk-appropriate recommendation.
Yuma Insurance, Inc. specializes in matching clients with long-term care policies that fit their unique health and financial profiles. It serves the Yuma, Arizona area by helping individuals navigate complex coverage options for future care needs, including nursing homes and in-home assistance. This agent provides clear explanations of how policies address inflation and benefit limits. The company assists families planning for potential seasonal health changes that often increase the urgency of securing coverage before a medical event occurs.
Serving Yuma, Arizona, and the surrounding communities, R L Jones Insurance Services Inc handles long-term care insurance needs for local residents. The agency assists clients in planning for potential extended care costs that are not covered by standard health insurance or Medicare. It helps individuals navigate policy options designed to protect assets and provide access to care at home or in a facility. Working with each client’s specific financial situation, it reviews coverage choices to match their anticipated needs and present them with suitable policy comparisons for an informed decision.
Melissa Duron American Family Insurance works with clients in Yuma to explore coverage options that help address the costs of extended personal care. The agency specializes in long-term care insurance, offering policies designed to support needs such as home care or assisted living arrangements. Agents assist individuals in comparing plans to align with their future health considerations. Available services include support for offices, warehouses, and food service sectors seeking to provide employee benefit options.
The Adams Agency in Yuma, Arizona serves local residents needing long-term care insurance coverage to protect their assets and future care needs. The agency also assists businesses in the area with commercial long-term care options for their employees or key personnel. Serving Yuma and the surrounding communities, the firm helps clients navigate policy choices and plan for potential extended care expenses. After initial consultations and policy setup, the agency provides follow-up service between regular visits to adjust coverage as circumstances change.
What Does a a Long-Term Care Insurance Agent in Yuma Cost?
Typical costs for long-term care insurance in Arizona range from about $1,500 to $3,000 per year for a 55 year old, depending on coverage amount and benefit period. Premiums can be higher for older applicants or for policies with inflation protection. Costs vary by case based on age, health, and policy features. This is general information, not insurance advice.
About long-term care insurance agents in Yuma
Long-term care insurance agents in Yuma, Arizona help residents plan for future care needs like nursing homes or in-home support. Arizona law requires agents to hold a valid state license and follow specific disclosure rules under ARS Title 20. Local agents can explain how Arizona Partnership for Long-Term Care policies may protect assets under state Medicaid rules.
Frequently Asked Questions
What does a long-term care insurance agent in Yuma do?
An agent helps you compare policies from different carriers and explains coverage options for home care, assisted living, and nursing facilities. They must follow Arizona insurance regulations including providing a Shopper Guide and outline of coverage before you buy.
Are there Arizona specific rules for long-term care insurance?
Yes, Arizona law requires a 30 day free look period after purchase and mandates that agents disclose any policy exclusions for pre-existing conditions. The Arizona Partnership program also allows policyholders to keep more assets if they later need Medicaid.
How do I choose a long-term care insurance agent in Yuma?
Look for an agent who is licensed in Arizona and has experience with long-term care policies. Ask if they offer policies from multiple carriers and if they understand local care costs in Yuma County.
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