The top-rated long-term care insurance agent in Rochester, Minnesota is Fortress Insurance & Financial Services, rated 5.0 stars across 402 reviews. Other highly rated options include Atlas Insurance Brokers, Arment & Associates, LLC American Family Insurance, Connor Faupel Insurance Agency. This directory lists 20 long-term care insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fortress Insurance & Financial Services | 2766 Commerce Dr NW STE D | (507) 424-6200 |
| 2 | Atlas Insurance Brokers | 5721 Bandel Rd NW | (507) 252-8720 |
| 3 | Arment & Associates, LLC American Family Insurance | 923 N Broadway Ave | (507) 289-7494 |
| 4 | Connor Faupel Insurance Agency | 3552 West River Pkwy NW | (507) 261-9306 |
| 5 | Med City Medicare | 2434 Superior Dr NW # 101 | (507) 218-8377 |
| 6 | Ted W. Smith Insurance | 3228 6th Ave NE | (507) 252-4640 |
| 7 | Sam Ghareeb Insurance Broker | 1500 1st Ave NE #111c | (507) 358-4497 |
| 8 | All Apple Insurance Agency / Paul M. Peterson | 511 Northern Hills Dr NE #3 | (507) 285-5760 |
| 9 | Shawn Capelle Agency Inc American Family Insurance | 3334 19th St NW STE 204 | (507) 285-9927 |
| 10 | Prime Time Health Advisors | 2048 Superior Dr NW STE 100 | (507) 252-1058 |
Fortress Insurance & Financial Services serves clients in the Rochester, Minnesota area. The company specializes in long-term care insurance agent services, helping individuals plan for future care needs. It assists clients understand policy options that cover home care, assisted living, and nursing facility expenses. A key part of its work involves guiding residents through the process of evaluating benefit periods and inflation protection features available in this region.
Atlas Insurance Brokers offers a range of services related to long-term care insurance, including policy analysis for individuals planning future health needs. It assists clients in Rochester, MN, with plan selection and ongoing policy maintenance to ensure coverage adapts to evolving circumstances. The agency supports families navigating long-term care financing options, helping them understand benefit triggers and coverage limits. It services single-family homes, apartments, retail, and restaurants.
Arment & Associates, LLC American Family Insurance serves homeowners, families, and individuals in Rochester, Minnesota who are planning for future care needs. The agency helps clients understand and select long-term care insurance policies designed to cover expenses for home health aides, assisted living, or nursing home stays. These plans can protect personal savings from the high cost of extended care. The company also provides its expertise to residents in the surrounding Olmsted County area and nearby communities such as Stewartville.
Connor Faupel Insurance Agency serves clients in Rochester, Minnesota, and surrounding communities throughout the region. The company handles long-term care insurance, helping individuals plan for future care needs that are not typically covered by standard health insurance or Medicare. It assists with policy selection to protect assets and maintain financial independence. For a typical job, the agency assesses a client’s current health, financial situation, and potential future care needs to recommend appropriate coverage options.
Med City Medicare offers Long-Term Care Insurance agent services in Rochester, MN, focusing on plans that help individuals cover the cost of extended care at home, in assisted living, or in nursing facilities. The agency also guides clients through the complexities of policy selection, explaining coverage options and how they integrate with other financial resources. As winter approaches, the company assists seniors in considering policies that address the heightened risk of home-bound recovery or rehabilitation needs following seasonal falls or illness.
For clients deciding between a single policy purchase and ongoing portfolio reviews, Ted W. Smith Insurance in Rochester, MN, provides personalized long-term care insurance guidance. Coverage options are explained to help individuals protect assets against future care costs, whether at home or in a facility. The agency clarifies policy features such as benefit triggers and elimination periods based on local needs. Service runs on a one-time, scheduled, or as-needed basis depending on each client’s policy review and renewal requirements.
As Rochester residents begin considering how retirement planning covers future health needs, Sam Ghareeb Insurance Broker helps families address the financial risks of extended care. This long-term care insurance agent provides personalized policy comparisons suited to local clients. Assessing each individual’s health history and asset goals allows for tailored coverage options. An initial no-cost consultation serves as the first step toward understanding policy structures and premium projections for this essential protective planning.
All Apple Insurance Agency, operated by Paul M. Peterson, helps Rochester residents plan for future care needs through long-term care insurance solutions. This agency specializes in policies designed to cover assisted living, nursing home, and in-home support services. Clients benefit from guidance on strategies for protecting assets while preparing for potential long-term health challenges. The agency can serve a range of commercial property sectors, including local offices, warehouses, and food service establishments.
The Shawn Capelle Agency Inc American Family Insurance provides long-term care insurance agent services in Rochester, Minnesota, assisting residential clients to help plan for extended personal care needs. The agency also offers guidance on commercial coverage policies that support local businesses preparing for employee or operational care requirements in the surrounding area. Follow-up appointments ensure coverage is adjusted as circumstances change, with the agency available between regular visits to review any policy updates or address newly developing care concerns.
Prime Time Health Advisors in Rochester, MN is a focused agency known for helping individuals navigate the complexities of long‑term care insurance. Its service range includes evaluating policy options, comparing coverage benefits, and guiding clients through application processes tailored to local needs. The area’s aging population often requires careful planning to protect assets and secure future care. This agency can also add on Medicaid asset protection planning to its core long‑term care insurance services.
What Does a a Long-Term Care Insurance Agent in Rochester Cost?
Long-term care insurance premiums in Minnesota vary based on your age health coverage amount and benefit period. For a 55-year-old a policy with a 3-year benefit period and 5 percent inflation protection can cost between 1500 and 3000 dollars per year. Older applicants or those with health issues may pay more. This is general information not insurance advice.
About long-term care insurance agents in Rochester
Long-term care insurance agents in Rochester Minnesota help you find coverage for nursing home care home health care and assisted living. Minnesota has a Partnership for Long-Term Care program that allows you to protect assets while qualifying for Medical Assistance. Working with a local agent ensures you understand state-specific rules and policy options.
Frequently Asked Questions
What does a long-term care insurance agent in Rochester do?
A long-term care insurance agent in Rochester helps you compare policies from different companies. They explain coverage options benefit triggers and inflation protection. They also guide you through the application process and medical underwriting.
How does the Minnesota Partnership for Long-Term Care affect my policy?
The Minnesota Partnership for Long-Term Care is a state program that lets you keep more assets if you later need Medical Assistance. A qualified agent can help you choose a Partnership-approved policy. These policies must meet state standards for inflation protection and nonforfeiture benefits.
Are there time limits for filing a long-term care claim in Minnesota?
Minnesota law does not set a specific time limit for filing a claim but policies require prompt notification. Most insurers ask you to submit a claim within 30 days of starting care. Check your policy for exact deadlines and required documentation.
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