The top-rated long-term care insurance agent in Scarborough, Maine is Michelle Raber - State Farm Insurance Agent, rated 5.0 stars across 347 reviews. Other highly rated options include Foy Insurance, A Division of World, Hoang Phan, Bankers Life Securities Financial Representative, Cassandra Mancuso, Bankers Life Agent. This directory lists 19 long-term care insurance agents serving Scarborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Raber - State Farm Insurance Agent | 696 US-1 | (207) 883-0111 |
| 2 | Foy Insurance, A Division of World | 152 US-1 Unit 11 | (207) 289-3850 |
| 3 | Hoang Phan, Bankers Life Securities Financial Representative | 360 US-1 Ste 202 | (207) 536-2742 |
| 4 | Cassandra Mancuso, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 5 | Varney Agency | 136 US-1 | (207) 883-8229 |
| 6 | Carter Laforce, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 7 | April Grant, Bankers Life Securities Financial Representative | 360 US-1 Ste 202 | (207) 536-2742 |
| 8 | Caleb Bowen, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 9 | Maine Health Solutions | 136 US-1 | (866) 228-5677 |
| 10 | Christopher Richard, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
Michelle Raber - State Farm Insurance Agent in Scarborough, ME, assists clients in securing financial protection against the high costs of extended care. Services include policy consultation and customized plan development that helps preserve savings for long-term health needs. Ongoing support is provided through policy reviews and claims assistance, ensuring coverage remains aligned with changing care requirements. This agency serves individuals living in single-family homes, apartments, and retirement communities throughout the local area.
Foy Insurance, A Division of World, serves individuals and families seeking to protect their savings from the high costs of extended care in the Scarborough, Maine area. The agency helps clients understand policy options for covering services like in-home assistance or nursing facility stays. Long-term care planning takes a careful look at health history, retirement income, and potential future needs. By assessing each person’s financial situation, the agents work to match coverage with realistic budgets. It also serves residents throughout the nearby Portland metro communities.
Serving Scarborough, Maine, and the surrounding communities, Hoang Phan, Bankers Life Securities Financial Representative handles long-term care insurance planning for local residents. The practice focuses on helping individuals understand policy options that can cover extended care needs, including nursing home and home-based assistance. Each client’s financial situation and future goals are assessed thoroughly. To handle a typical job, the agent reviews personal circumstances in detail before presenting suitable insurance choices from available plans.
For long-term care insurance, clients must decide between one-time policies that cover a single benefit period and recurring plans designed for extended need. Cassandra Mancuso, a Bankers Life Agent in Scarborough, Maine, provides local guidance on coverage options tailored to individual care preferences and financial goals. This agent helps customers navigate policy structures for future home health or facility assistance. Assistance with claims and plan adjustments is available on either a scheduled or as-needed basis, depending on the client’s evolving situation.
The Varney Agency specializes in providing long-term care insurance solutions for residents of Scarborough, Maine. It assists individuals and families in evaluating policies that help cover the high costs of extended care services, whether at home or in a facility. The agency works closely with clients to better understand coverage options and funding strategies. As winter approaches, it helps older adults plan for potential care needs that may arise from seasonal falls or mobility challenges associated with icy conditions.
As Maine winters approach, many Scarborough residents begin considering how to cover future extended care costs. Carter Laforce, Bankers Life Agent, assists local families by explaining long-term care insurance options tailored to their retirement planning needs. The agent helps clients assess how policy benefits might coordinate with existing savings or Medicare coverage. This includes discussing potential daily benefit amounts, benefit periods, and inflation protection features. To begin, Carter Laforce typically schedules a complimentary initial assessment to review a client's health history and financial priorities.
April Grant, Bankers Life Securities Financial Representative in Scarborough, Maine, helps clients plan for the financial impact of extended care needs by offering long-term care insurance policies that cover home health aides, assisted living, and skilled nursing facility stays. She works with individuals to review coverage options that protect assets against the high costs of chronic illness or disability. Her services are available to professionals operating from local offices, warehouse and distribution companies, and food service establishments.
Caleb Bowen, Bankers Life Agent provides long-term care insurance counseling to residents of Scarborough and the surrounding Maine area. This agency helps individuals plan for potential future needs related to extended healthcare services. The agent assesses personal circumstances and explains policy features that can help cover care at home or in a facility. Clients typically return for policy reassessments or to adjust coverage during regular check-ins with the agent between scheduled visits.
Maine Health Solutions guides individuals and families through the complexities of long-term care planning, specializing in insurance products that protect assets and fund care needs. The agency advises clients in Scarborough, Maine, on policies covering home care, assisted living, and nursing facility stays. Its agents help evaluate options for preserving savings while gaining access to necessary support services. Maine Health Solutions serves a diverse clientele ranging from private households and professional offices to local warehouses and food service establishments.
What Does a a Long-Term Care Insurance Agent in Scarborough Cost?
Long-term care insurance premiums in Maine vary based on your age health and the benefit amount you choose. For a 55-year-old a policy with a 3-year benefit period and 5 percent inflation protection might cost between 150 and 300 dollars per month. Older applicants or those with health conditions will pay higher rates. This is general information not insurance advice. Always consult a licensed agent for a personalized quote.
About long-term care insurance agents in Scarborough
Long-term care insurance agents in Scarborough help residents plan for future care costs such as nursing home or home health aide services. Maine law offers a Partnership Program that allows policyholders to protect assets equal to the benefits paid out. Agents can explain how these Maine-specific policies work and help compare plans from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Scarborough do?
An agent helps you compare policies from different insurers and explains coverage options for home care assisted living and nursing facilities. They also guide you through Maine Partnership Program rules which let you keep more assets if you use up your policy benefits. Agents do not sell one specific company they show you choices from several carriers.
Does Maine have special rules for long-term care insurance?
Yes Maine has a Long-Term Care Partnership Program that coordinates private insurance with Medicaid. If you buy a qualified Partnership policy you can protect assets equal to the benefits your policy pays. Maine also requires a 30-day free look period after you buy a policy so you can cancel for a full refund.
How do I choose a long-term care insurance agent in Scarborough Maine?
Look for an agent licensed in Maine who has experience with long-term care policies and the Partnership Program. Ask if they work with multiple insurance companies so you can compare prices and benefits. You can verify an agents license on the Maine Bureau of Insurance website.