The top-rated long-term care insurance agent in San Carlos, California is Gina Vallee - State Farm Insurance Agent, rated 5.0 stars across 104 reviews. Other highly rated options include Nadler Insurance, Inc., Ray Sullivan: Allstate Insurance, ISU Lovering Insurance Services. This directory lists 10 long-term care insurance agents serving San Carlos.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gina Vallee - State Farm Insurance Agent | 632 El Camino Real | (650) 593-8425 |
| 2 | Nadler Insurance, Inc. | 1560 Laurel St #200 | (650) 508-8000 |
| 3 | Ray Sullivan: Allstate Insurance | 742 El Camino Real | (650) 593-1221 |
| 4 | ISU Lovering Insurance Services | 1121 Laurel St | (650) 593-7601 |
| 5 | 365 Gold Insurance Services | 104 El Camino Real | (650) 777-7680 |
| 6 | Farmers Insurance - Nicky Papadakis | 1355 Laurel St | (650) 593-1666 |
| 7 | Professional Insurance associates | 1100 Industrial Rd STE 3 | (650) 592-7333 |
| 8 | Welcare Financial Group | 1668 El Camino Real | (650) 802-9288 |
| 9 | Insurance Solutions by JCA - JC Adviser | 867 American St Suite 200 | — |
| 10 | Dooley Insurance Services | 1567 Edmond Dr | (949) 687-0911 |
What Does a a Long-Term Care Insurance Agent in San Carlos Cost?
Typical annual premiums for a 55-year-old in California range from 1,500 to 3,500 for a policy with 150 daily benefit and 3-year benefit period. Costs increase with age and richer benefits. A 65-year-old might pay 2,500 to 5,500 per year for similar coverage. Actual rates vary by health, insurer, and policy features. This is general information and not insurance advice.
About long-term care insurance agents in San Carlos
A long-term care insurance agent in San Carlos can help you plan for future care needs while protecting your assets. California offers the Partnership for Long-Term Care program which allows policyholders to keep more assets when applying for Medi-Cal. Local agents understand the specific regulations and costs in the Bay Area.
Frequently Asked Questions
What does a long-term care insurance agent in San Carlos do?
An agent helps you compare policies from different carriers and explains coverage options like home care and nursing facility benefits. They can also show how a California Partnership policy works to coordinate with Medi-Cal asset protection.
How do California Partnership policies work?
California Partnership policies are state-approved plans that offer dollar-for-dollar asset protection if you later need Medi-Cal. This means for every dollar your policy pays in benefits, you can keep an equal amount of assets when applying for Medi-Cal.
What factors affect long-term care insurance costs in San Carlos?
Costs depend on your age at purchase, health status, benefit amount, and inflation protection. Premiums in California are also regulated under Proposition 103 which requires rate filings and limits how much insurers can increase rates without state approval.
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