The top-rated long-term care insurance agent in Lewiston, Idaho is Melody Sandahl - State Farm Insurance Agent, rated 5.0 stars across 802 reviews. Other highly rated options include Taylor Forge - State Farm Insurance Agent, Murray Insurance, Bruce Wyatt - State Farm Insurance Agent. This directory lists 20 long-term care insurance agents serving Lewiston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melody Sandahl - State Farm Insurance Agent | 1442 Idaho St | (208) 816-4823 |
| 2 | Taylor Forge - State Farm Insurance Agent | 2270 Thain Grd #103 | (208) 746-7052 |
| 3 | Murray Insurance | 1920 19th Ave | (208) 743-4880 |
| 4 | Bruce Wyatt - State Farm Insurance Agent | 502 Thain Rd | (208) 743-6249 |
| 5 | Martin Insurance Inc | 1122 Idaho St | (208) 743-6543 |
| 6 | American Insurance | 55 Southway Ave | (208) 746-9646 |
| 7 | Farm Bureau Insurance - Robie & Orellana Insurance Agency | 609 Bryden Ave | (208) 758-9010 |
| 8 | Farmers Insurance - Albert Reagan | 618 D St Ste B | (208) 743-5441 |
| 9 | Farmers Insurance - Gregory Kimberling | 622 Bryden Ave | (208) 746-1326 |
| 10 | Richard Woods | 1053 21st St | (208) 746-7046 |
Melody Sandahl - State Farm Insurance Agent serves Lewiston, Idaho, and the surrounding Nez Perce County area. The company provides long-term care insurance to help clients plan for future medical and personal support needs. Policies offered aim to cover assistance with daily activities, such as bathing and dressing, which are often not paid by standard health insurance or Medicare. This agent also helps customers understand policy options for home care, assisted living, and nursing facility services.
Taylor Forge - State Farm Insurance Agent serves local homeowners, families, and individuals planning for future healthcare needs. This agency specializes in long-term care insurance, helping clients explore options to cover assisted living, nursing home, or in-home care costs as they age. Services include policy reviews, benefit comparisons, and guidance on integrating coverage with existing retirement plans. The agency is located in Lewiston, Idaho, and also assists residents across the Clarkston and Pullman metro areas.
Murray Insurance provides a range of long-term care insurance services for individuals in Lewiston, Idaho. It helps clients design plans that cover expenses from chronic illness, disability, or aging, with service plans that include policy review and maintenance to ensure coverage keeps pace with changing needs. The agency assists with protection for savings and assets against rising care costs. It services homes, apartments, retail locations, and restaurants.
Bruce Wyatt - State Farm Insurance Agent serves clients in Lewiston, Idaho, and the surrounding communities of the Lewis-Clark Valley, including Clarkston, Asotin, and Peck. It handles long-term care insurance coverage, which helps individuals prepare for the future costs of assisted living, nursing home care, or in-home support. The agency follows a straightforward consultation process, beginning with a discussion of a client’s current health and financial goals. It then reviews policy options and provides a clear explanation of what each plan covers and how it pays for care.
Martin Insurance Inc in Lewiston, ID helps individuals understand the distinction between one-time policy purchases and recurring service options for long-term care coverage. Tailoring protection to safeguard assets and maintain independence, the agency navigates clients through benefit eligibility and plan structures. As a local long-term care insurance agent, services are provided on a one-time, scheduled, or as-needed basis depending on the client’s request.
American Insurance provides specialized guidance on long-term care insurance policies for individuals planning for future health needs. The agency serves the Lewiston, Idaho area by helping clients evaluate options for covering assisted living, nursing home stays, and in-home care services. It works with residents to understand how these policies can protect savings and assets during retirement. As winter conditions increase risks of slips or illnesses requiring extended recovery, the agency assists with reviewing coverage to ensure protection during period when home health needs often become more likely.
Winter weather can create unexpected concerns about future health needs for residents of Lewiston. Farm Bureau Insurance - Robie & Orellana Insurance Agency assists local individuals with long-term care insurance to help manage such personal risks. The agency in Lewiston works with clients to clarify how a policy might cover home care or assisted living expenses. During an initial meeting, the agent reviews the person’s current health situation and financial priorities. This step begins with discussing long-term planning goals and scheduling a straightforward assessment of individual coverage requirements.
Farmers Insurance - Albert Reagan provides long-term care insurance options for clients in the Lewiston, Idaho, area. The agency focuses on helping individuals plan for future care needs while protecting personal savings and assets. It can serve commercial sectors such as offices, warehouses, and food service operations requiring liability or property coverage. By offering tailored policies, the company assists local residents and businesses in preparing for long-term financial security and potential healthcare expenses through accessible insurance products.
Farmers Insurance - Gregory Kimberling serves residential clients in the Lewiston area with long-term care insurance policies designed to help cover future care needs. Commercial coverage is also available for local business owners seeking financial protection against aging-related risks. The agency focuses on the Lewiston region and surrounding communities, working closely with individuals and families to understand their coverage options. Clients typically schedule a follow‑up consultation to review their plan, ensuring it remains suitable between regular service visits.
Richard Woods is a long-term care insurance agent in Lewiston, ID, known for helping local families plan for future custodial care needs. The agency serves clients throughout the region, offering guidance on policy options that cover home care, assisted living, and nursing facility stays. Each consultation focuses on assessing personal health risks and financial goals to find a suitable coverage amount and benefit period. A specialty service Richard Woods can add on is a personalized asset protection review to coordinate long-term care benefits with existing retirement savings.
What Does a a Long-Term Care Insurance Agent in Lewiston Cost?
Long-term care insurance premiums in Idaho vary based on age, health, and coverage amount. A typical policy for a 55-year-old might cost between $1,500 and $3,000 per year. Costs can be higher for older applicants or those with health conditions. This is general information and not insurance advice.
About long-term care insurance agents in Lewiston
Long-term care insurance agents in Lewiston, Idaho help residents plan for future medical and personal care needs. Idaho law requires agents to hold a valid insurance license and follow state regulations for policy disclosures. Working with a local agent ensures you understand how Idaho Partnership for Long-Term Care programs can affect your coverage.
Frequently Asked Questions
What does a long-term care insurance agent in Lewiston do?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options such as nursing home care, home health care, and adult day services. Agents must follow Idaho rules for presenting policy benefits and costs clearly.
Are there Idaho-specific rules for long-term care insurance?
Yes, Idaho requires insurers to offer inflation protection and nonforfeiture benefits. Agents must also provide a Shopper Guide and outline of coverage before you buy a policy. These rules help ensure you understand what you are purchasing.
How do I choose a long-term care insurance agent in Lewiston?
Look for an agent who is licensed in Idaho and has experience with long-term care policies. Ask about their knowledge of Idaho Partnership plans and how they work with Medicaid. You can verify an agents license through the Idaho Department of Insurance website.
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