The top-rated long-term care insurance agent in Palm Harbor, Florida is Coleman Insurance Agency, rated 4.9 stars across 414 reviews. Other highly rated options include Reliant Insurance Services, Direct Auto Insurance, Brightway Insurance, The Harrington Agency. This directory lists 18 long-term care insurance agents serving Palm Harbor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Coleman Insurance Agency | 4831 Ruen Dr Suite 200 | (727) 441-9911 |
| 2 | Reliant Insurance Services | 34921 US Hwy 19 N #201 | (727) 335-0335 |
| 3 | Direct Auto Insurance | 30604 US Hwy 19 N | (727) 789-2274 |
| 4 | Brightway Insurance, The Harrington Agency | 31962 US Hwy 19 N | (727) 789-2200 |
| 5 | Medicaid 4 You, LLC. | 33920 US Hwy 19 N # 230 | (727) 600-0483 |
| 6 | Pam Leonard-Williams - State Farm Insurance Agent | 1410 US-19 ALT C | (727) 785-0413 |
| 7 | Hawk Insurance Group | 31087 US Hwy 19 N | (727) 877-4295 |
| 8 | Whitco Insurance Agency Palm Harbor 👍 | 30832 US Hwy 19 N | (727) 781-5858 |
| 9 | My Healthcare Direct | 910 Florida Blvd unit a | (727) 306-0056 |
| 10 | Pinellas Insurance Solutions | 3060 US-19 ALT Suite B1 | (727) 557-5633 |
Coleman Insurance Agency serves Palm Harbor and the surrounding communities in Pinellas County, Florida, as a dedicated long-term care insurance agent. The agency assists clients in planning for future health needs by providing professional guidance on policies that cover extended care services. They focus on helping individuals evaluate insurance options, including policies for in-home care and assisted living facility coverage.
Reliant Insurance Services in Palm Harbor, Florida offers a full range of long-term care insurance solutions designed to help individuals plan for future health and custodial needs. The agency typically assists clients in comparing policy options and applying for coverage tailored to their financial goals. Standard services include help with policy renewals and regular policy reviews to ensure benefits remain aligned with changing healthcare costs. Phone consultations and in-person meetings are common ways the agency provides ongoing support to its clients. The company services single-family homes, apartments, retail, and restaurants.
Serving the Palm Harbor area, Direct Auto Insurance provides residential long-term care insurance solutions to help families secure financial protection for aging needs. The agency also offers commercial long-term care liability options for local businesses. Their work covers the greater Palm Harbor region, assisting clients in navigating policies that fund future care services. Following an initial policy setup, technicians return for scheduled annual reviews, ensuring coverage adapts to changing health needs between regular wellness visits.
Brightway Insurance, The Harrington Agency serves homeowners and individuals preparing for future health needs in the Palm Harbor, Florida area. The agency offers long-term care insurance policies designed to help cover costs associated with extended nursing, assisted living, or in-home care services. It helps clients understand policy options for protecting personal assets while ensuring access to necessary care. The agency also provides coverage options for residents in nearby communities throughout northern Pinellas County.
Serving Palm Harbor, Florida, and the surrounding communities throughout Pinellas County, Medicaid 4 You, LLC assists local seniors and their families with long-term care insurance options. The agency handles policy selection, plan comparisons, and guidance for covering future nursing home or in-home care needs. Each client consultation begins with a thorough review of personal circumstances to identify suitable coverage. This approach ensures every recommendation aligns with individual financial goals and care preferences before moving forward.
Pam Leonard-Williams - State Farm Insurance Agent, located in Palm Harbor, FL, serves clients needing long-term care coverage. The company distinguishes between one-time policy consultations, where a single plan is reviewed and selected, and recurring service options that include annual plan check-ins or ongoing financial reviews. Coverage typically extends to in-home assistance, assisted living facility costs, and nursing home care. Service for new plan inquiries runs on a one-time basis, while existing policyholder check-ins are conducted on a scheduled, annual review cycle.
As specialists in long-term care insurance, Hawk Insurance Group helps clients in Palm Harbor, FL, plan for future health needs by offering coverage that protects assets and provides access to a range of care options. The company works closely with individuals and families to navigate the complexities of policy selection and eligibility. Agents assist specifically with concerns such as funding home care or assisted living, which become pressing as local seniors face seasonal influenza or post-hospital recovery transitions.
As Florida's summer heat and humidity begin to ease, many seniors in Palm Harbor start reviewing their healthcare finances for the coming year. Whitco Insurance Agency Palm Harbor addresses this need by specializing exclusively in long-term care insurance, helping clients understand policies that cover nursing homes, assisted living, and home health services. The agency guides individuals through the various policy features available in Florida, such as inflation protection and elimination periods. A standard initial assessment here begins with a confidential review of each client’s personal assets and anticipated care needs.
My Healthcare Direct assists clients in Palm Harbor, Florida, with navigating the complexities of long-term care insurance. The agency specializes in policies that cover extended assistance for chronic illnesses or disabilities, helping individuals protect their financial future and access necessary care. Services often include policy comparisons to address specific health scenarios and potential care needs. This long-term care insurance agent also offers guidance for protecting savings from future medical expenses. The agency can serve businesses requiring coverage for key personnel, including offices, warehouses, and food service operations.
Serving residential clients in Palm Harbor, Pinellas Insurance Solutions guides individuals through the process of selecting long-term care insurance policies to protect their assets. The firm also advises local businesses on group coverage options available across Pinellas County. By explaining benefit structures and policy features, the agent helps clients prepare for future care needs. After an initial plan is in place, the office schedules periodic policy reviews to adjust coverage as personal circumstances change, ensuring continued suitability between regular annual check-ins.
What Does a a Long-Term Care Insurance Agent in Palm Harbor Cost?
Long-term care insurance premiums in Florida vary based on age, health, and coverage amount. A typical policy for a 55-year-old can cost between $1,500 and $3,000 per year, while a 65-year-old might pay $2,500 to $5,000 annually. Costs are higher for comprehensive benefits like 5% compound inflation protection. This is general information and not insurance advice.
About long-term care insurance agents in Palm Harbor
Long-term care insurance agents in Palm Harbor, Florida assist residents in selecting policies that cover nursing home care, assisted living, and home health services. Florida law requires agents to be licensed and to explain policy features like inflation protection and nonforfeiture benefits. Local agents understand the unique needs of Palm Harbor seniors, including the high cost of care in Pinellas County.
Frequently Asked Questions
What does a long-term care insurance agent do in Palm Harbor?
An agent helps you compare policies from different insurers, explains coverage options, and ensures the policy meets Florida state requirements. They guide you through the application process and help you understand benefits like the Florida Partnership for Long-Term Care program.
Are there Florida specific rules for long-term care insurance?
Yes, Florida requires insurers to offer inflation protection and a 30-day free look period for policy cancellation. The Florida Partnership program allows policyholders to protect assets equal to the benefits paid out, which is a key feature agents can explain.
How do I choose a long-term care insurance agent in Palm Harbor?
Look for an agent licensed in Florida with experience in long-term care products. Ask about their familiarity with local care costs and the Florida Partnership program. You can verify an agent license through the Florida Department of Financial Services website.
Long-Term Care Insurance Agents in Other Florida Cities
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