The top-rated long-term care insurance agent in Novi, Michigan is Highstreet Autumn Insurance & Benefits, rated 5.0 stars across 266 reviews. Other highly rated options include Senior Health Medicare, Commercial Insurance - J & J Insurance Managers, Baty Agency, Inc.. This directory lists 17 long-term care insurance agents serving Novi.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Highstreet Autumn Insurance & Benefits | 27333 Meadowbrook Rd Ste 230 | (248) 478-1177 |
| 2 | Senior Health Medicare | 39475 13 Mile Rd Ste 203 | (888) 404-5049 |
| 3 | Commercial Insurance - J & J Insurance Managers | 43000 W 9 Mile Rd | (313) 460-0321 |
| 4 | Baty Agency, Inc. | 27333 Meadowbrook Rd Ste 230 | (248) 553-7570 |
| 5 | Acrisure Novi, MI (NuStar Insurance Agency) | 39555 Orchard Hill Pl #130 | (248) 380-6190 |
| 6 | Jeff Haar Agency, LLC: Allstate Insurance | 39853 Grand River Ave | (248) 380-4664 |
| 7 | Insurance Advisors Direct | 39555 Orchard Hill Pl STE 157 | (800) 381-0977 |
| 8 | L.A. Insurance | 31158 Beck Rd | (248) 669-2020 |
| 9 | Huggins Medicare Advisors | 23131 Heatherbrae Way | (248) 985-7101 |
| 10 | America One Northridge Insurance Agency | 27780 Novi Rd #265 | (248) 344-4646 |
Highstreet Autumn Insurance & Benefits serves Novi and the surrounding Oakland County area as a dedicated long-term care insurance agent. The agency helps individuals plan for future care needs through personalized policy evaluations and professional guidance. Their work focuses on comparing plan options from multiple carriers to find suitable coverage for clients. In this region, they specialize in navigating Medicaid asset protection strategies and coordinating calendar-year benefit enrollment for local seniors.
Senior Health Medicare in Novi, Michigan provides long-term care insurance consultation and policy placement services. It assists clients in assessing their future care needs and reviewing available coverage options. The agency also offers ongoing support for policy maintenance, including premium monitoring and claims guidance. Services are available for individuals residing in single-family homes, apartments, and for those managing care needs in assisted living facilities and retail establishments.
Commercial Insurance - J & J Insurance Managers in Novi, MI assists homeowners, retirees, and local professionals with navigating long-term care insurance options. The agency helps clients understand policy coverage for in-home care, assisted living, and nursing facility expenses, tailoring plans to individual needs and budgets. This work addresses the growing demand for financial protection against future care costs in the region. The company also serves clients in nearby Livonia and the greater western Detroit metro area.
Baty Agency, Inc. serves Novi, Michigan and its surrounding communities, specializing in long-term care insurance solutions. The agency handles both individual and group policies designed to help clients manage the costs of extended care. It focuses on matching each client with a suitable plan based on their personal financial situation and health needs. For a typical job, the agent begins with an in-depth consultation to review the client’s assets, goals, and risk preferences before presenting policy options from multiple carriers.
Acrisure Novi, MI (NuStar Insurance Agency) helps clients distinguish between one-time policy adjustments for immediate needs and recurring service options for ongoing coverage management. Their work focuses on long-term care insurance, which addresses the costs of assisted living or in-home care that standard health plans often exclude. Plans are typically tailored to protect savings while ensuring future care access. Service runs on a scheduled basis, with periodic policy reviews and updates as needed to adapt to changing health or financial circumstances.
Jeff Haar Agency, LLC: Allstate Insurance in Novi, MI provides long-term care insurance services. This agency helps individuals and families plan for future custodial and home health care needs, working to create a strategy that protects assets. It also offers guidance on various other insurance products to meet broader personal coverage requirements. As winter weather increases the risk of slips and falls for older adults, the agency can help address the resulting potential for extended rehabilitation or nursing needs.
As local families begin planning for the possibility of future care needs, a knowledgeable agent becomes a crucial resource. Insurance Advisors Direct in Novi, MI, helps clients navigate the complexities of long-term care coverage, addressing concerns about asset protection and access to quality services. The agency works to clarify policy options that fit individual budgets and health situations. An initial assessment typically begins with a complimentary consultation to review personal circumstances and potential coverage needs.
Serving Novi and its surrounding communities in southeastern Michigan, L.A. Insurance assists individuals with planning for the financial impact of extended care. It handles long-term care insurance policies, which cover services like home health aides and skilled nursing care. The company works with clients to review their personal needs and future health considerations. To handle a typical job, it first assesses a client’s situation and then helps compare suitable coverage options from available insurers.
Huggins Medicare Advisors serves residents of Novi and the surrounding area with long-term care insurance guidance. The agency helps clients evaluate coverage options for personal care needs that extend beyond standard health insurance. Their work focuses on matching individuals with policies that address future assistance requirements in home or facility settings. The team assists with plan comparisons and application processes, providing support for ongoing policy management. Clients often return between regular service periods to adjust coverage as their personal circumstances or care preferences evolve.
America One Northridge Insurance Agency helps residents in and around Novi coordinate financing options for extended healthcare needs. The company specializes as a long-term care insurance agent, guiding clients through policy selections that cover in-home support, assisted living, and nursing facility costs. Its representatives focus on offering clear explanations of coverage terms and benefit triggers. The firm can assist independent workers, corporate benefit managers, and retirees operating small businesses, as well as service commercial sectors like local offices, warehouses, and food service operations.
What Does a a Long-Term Care Insurance Agent in Novi Cost?
Long-term care insurance costs in Michigan vary by age, health, and policy features. A typical policy for a 55-year-old in Novi might range from 1,500 to 3,500 dollars per year for a 3-year benefit period with 5 percent inflation protection. Premiums are lower for younger buyers and higher for those with pre-existing conditions. This is general information and not insurance advice.
About long-term care insurance agents in Novi
A long-term care insurance agent in Novi Michigan helps you plan for future care costs while protecting your savings. Michigan law requires agents to be licensed and to explain the Michigan Long-Term Care Partnership program which offers dollar-for-dollar asset protection. Working with a local agent ensures you understand how these policies interact with Michigan Medicaid rules.
Frequently Asked Questions
What does a long-term care insurance agent in Novi do?
A long-term care insurance agent in Novi helps you compare policies from different carriers and explains how coverage works with Michigan Partnership plans. They assess your health and financial situation to recommend suitable options. Agents must follow Michigan insurance regulations and disclose policy limitations clearly.
How do Michigan Partnership plans affect long-term care insurance?
Michigan Partnership plans allow you to protect assets equal to the benefits paid by your policy if you later need Medicaid. A Novi agent can explain how these plans work with Michigan Medicaid eligibility rules. This is a key feature that sets Michigan policies apart from those in other states.
What is the free look period for long-term care insurance in Michigan?
Michigan law gives you a 30-day free look period after purchasing a long-term care insurance policy. During this time you can cancel for a full refund if you change your mind. Your Novi agent must provide this information in writing at the time of sale.
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