The top-rated long-term care insurance agent in St Paul, Minnesota is MN Benefits, rated 4.9 stars across 180 reviews. Other highly rated options include HomeServices Insurance, Inc., Theisen Escobar Agency, Garry Insurancenter. This directory lists 26 long-term care insurance agents serving St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MN Benefits | 75 W 5th St #310 | (763) 360-4879 |
| 2 | HomeServices Insurance, Inc. | 119 14th St NW Suite 150 | (800) 277-0013 |
| 3 | Theisen Escobar Agency | 428 Minnesota St UNIT 500 | (651) 309-6040 |
| 4 | Garry Insurancenter | 2555 7th Ave E | (651) 777-8361 |
| 5 | Krog Insurance | 637 Snelling Ave N | (651) 483-2919 |
| 6 | Securian Financial | 400 Robert St N | (651) 665-3500 |
| 7 | Insurance Group™ | 445 Minnesota St #1500 | (763) 233-6405 |
| 8 | Baecker Agency, Inc.: Allstate Insurance | 245 Ruth St N Ste 200 | (651) 730-6666 |
| 9 | Cox Insurance Associates, Inc | 1639 Larpenteur Ave W | (651) 647-0001 |
| 10 | Wiessner Insurance | 250 Hamline Ave S | (651) 698-0771 |
MN Benefits provides a full range of long-term care insurance agency services in St Paul, Minnesota. The company assists clients in selecting appropriate coverage and can help tailor a plan to meet future care needs. Ongoing policy reviews and guidance on filing claims are available. The firm designs solutions for individuals preparing for potential assisted living expenses. It also addresses coverage strategies for families seeking to protect assets. Services extend to homeowners managing plans for themselves and their dependents. The agency supports single-family homes, apartments, retail, and restaurants.
HomeServices Insurance, Inc. serves homeowners, renters, and local professionals in the St. Paul area who seek guidance on long-term care insurance. The company helps clients understand policies that can cover assisted living, nursing home care, and home health services, providing clarity on complex coverage options. It assists in tailoring plans to meet individual financial and care needs within the Twin Cities region. The agency also serves customers throughout Ramsey County and adjacent suburbs.
Theisen Escobar Agency offers a choice between one-time consultations for immediate policy needs and recurring reviews for evolving protection. In St Paul, clients can access coverage plans that address long-term care costs, including nursing home and home health scenarios. As a Long-Term Care Insurance Agent, the company helps navigate related financial planning pathways. Consultations and policy services run on an as-needed basis, tailored to individual client circumstances and updated circumstances as they arise.
Garry Insurancenter provides long-term care insurance planning services tailored to financial security. This St Paul, Minnesota agency helps clients evaluate policy options for chronic illness, disability, or aging-related care needs, drawing on general knowledge of the local elder care landscape. It works with individuals and families to review coverage affordability and benefit structures. The agency specifically assists clients in reassessing their policies ahead of open enrollment season to account for rising care costs.
As the need for long-term care planning grows among aging residents in the Twin Cities, Krog Insurance in St. Paul helps families protect their assets against the rising costs of assisted living and home health services. As a local Long-Term Care Insurance Agent, the company guides clients through policy options tailored to personal health and financial goals. Each policy review begins with a thorough needs assessment and a review of the customer’s current health status.
Serving St Paul and surrounding communities, Securian Financial assists clients with navigating long-term care insurance options to protect assets and secure future care needs. The firm focuses on explaining policy details, including benefit triggers and coverage limits, to help individuals plan for potential extended care scenarios. Its typical job begins with a thorough review of a client’s financial situation, then identifies appropriate coverage terms and walks through policy selection carefully.
Insurance Group™ provides Long-Term Care Insurance Agent services to residents in St Paul, Minnesota. Commercial coverage is also available for businesses in the local area. The agency helps clients plan for future care needs by offering policy comparisons and guidance through the application process. Assistance with claims and coverage updates is provided as policies evolve. Regular follow-up appointments between scheduled visits ensure clients remain informed about changes in their plans and can adjust coverage when necessary.
Baecker Agency, Inc.: Allstate Insurance provides long-term care insurance solutions for clients in St Paul, Minnesota, specializing in policies that help cover the costs of home health aides and nursing facility stays. The agency assists individuals and families with planning to protect assets during extended care periods. Its services can serve commercial sectors including offices requiring employee benefit discussions, warehouses where staff may need workplace policy education, and food service businesses seeking to include long-term care options in their benefits packages.
Cox Insurance Associates, Inc, based in St Paul, Minnesota, is known for guiding clients through the complexities of long-term care insurance. The agency serves individuals and families seeking financial protection against the high costs of extended care, including nursing homes, assisted living, and home care services. It helps clients evaluate policy options tailored to future health needs and budget constraints. For those requiring more immediate support, the firm can add on a consultation to coordinate Medicare supplemental benefits with existing long-term care coverage.
Wiessner Insurance serves the St Paul, Minnesota area and the surrounding county as a Long-Term Care Insurance Agent. The company assists clients in planning for future care needs through specialized insurance policies. It helps customers understand coverage options that protect assets and ensure access to necessary support services. A typical service includes policy evaluation for long-term care plans tailored to individual health and financial situations. The agency also manages applications for home health care and nursing facility coverage.
What Does a a Long-Term Care Insurance Agent in St Paul Cost?
Long-term care insurance premiums in Minnesota vary based on age, health, and coverage level. For a 55-year-old in St Paul, annual premiums typically range from $1,500 to $3,500 for a policy with a $150 daily benefit and 3-year term. Costs increase significantly for older applicants or those with health conditions. This is general information and not insurance advice.
About long-term care insurance agents in St Paul
Long-term care insurance agents in St Paul help residents plan for future care needs. Minnesota offers the Minnesota Partnership for Long-Term Care, which allows policyholders to protect assets equal to benefits paid. Agents guide clients through policy choices and state-specific rules.
Frequently Asked Questions
What does a long-term care insurance agent in St Paul do?
An agent helps you compare policies from different insurers and explains coverage options. They also advise on Minnesota Partnership plans that coordinate with state Medicaid. The agent does not sell one specific company but offers multiple choices.
How does the Minnesota Partnership for Long-Term Care work?
This program lets you keep assets equal to the benefits your policy pays out. For example, if your policy pays $100,000 in benefits, you can protect $100,000 of assets from Medicaid recovery. You must buy a certified policy from a licensed agent.
Are there time limits to buy long-term care insurance in Minnesota?
There is no state deadline to purchase a policy, but premiums increase with age. Minnesota law requires a 30-day free look period after buying a policy. You can cancel within that time for a full refund.
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