The top-rated long-term care insurance agent in Kearny, New Jersey is John Costa - State Farm Insurance Agent, rated 4.5 stars across 228 reviews. Other highly rated options include MSM Insurance Agency, Secured Insurance Agency, MedChoice Advisors. This directory lists 12 long-term care insurance agents serving Kearny.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Costa - State Farm Insurance Agent | 214 Kearny Ave | (201) 998-5600 |
| 2 | MSM Insurance Agency | 78 John Miller Way Suite 326 | (973) 319-4081 |
| 3 | Secured Insurance Agency | 728 Kearny Ave b | (201) 998-3400 |
| 4 | MedChoice Advisors | 347 Kearny Ave | (201) 334-6744 |
| 5 | Dynasty Agency | 83 Kearny Ave | (201) 997-2303 |
| 6 | The Bixler Group, LLC | 758 Kearny Ave | (201) 991-0032 |
| 7 | Borgos Hanlon Henry & Garcia Inc | 593 Kearny Ave | (201) 991-8700 |
| 8 | Hilb Group | 839 Kearny Ave | (201) 997-0060 |
| 9 | Jersey Travel Center & Insurance | 53 Kearny Ave | (201) 991-3315 |
| 10 | Truck Insurance Agency | 1 Hackensack Ave | (973) 578-8787 |
John Costa - State Farm Insurance Agent in Kearny, New Jersey, serves the surrounding Hudson County area with long-term care insurance solutions. This agency helps individuals plan for future needs by offering policies that cover assistance with daily activities, such as bathing and dressing, which are often not paid for by standard health insurance. Their services also address the costs associated with care received in a home setting or within a nursing facility.
MSM Insurance Agency in Kearny, NJ, provides long-term care insurance planning and policy placement for clients in the local area, helping individuals prepare for future care needs. The agency offers assistance with plan selection and ongoing policy maintenance to ensure coverage remains appropriate over time. Their services include reviewing existing policies and adjusting coverage as clients’ health or financial situations change. They service single-family homes, apartments, retail locations, and restaurants.
Secured Insurance Agency serves Kearny, New Jersey, and the surrounding communities in Hudson County with long-term care insurance solutions. The agency helps clients plan for future medical and personal care needs by offering policies that cover nursing home stays, assisted living, or home-based care. Its general approach begins with a thorough review of each client’s financial situation, health history, and personal preferences. The agent then compares available plans from multiple carriers to identify suitable coverage options and clearly explains the benefits, costs, and waiting periods.
MedChoice Advisors, located in Kearny, New Jersey, assists clients in distinguishing between one-time policy purchases and recurring premium options when planning for long-term care coverage. Their work focuses on helping individuals secure insurance that protects assets and covers future care needs, whether at home or in a facility. As a local agent, the company evaluates unique circumstances to recommend suitable policies from available insurers. Service operates on an as-needed basis, allowing clients to reach out for initial consultations, policy reviews, or plan adjustments without a required ongoing commitment.
Dynasty Agency serves individuals and families in Kearny, New Jersey, who are planning for long-term care needs. They assist clients in selecting insurance policies that help cover costs associated with chronic illness, disability, or aging. The agent provides guidance on policy options, benefit amounts, and coverage triggers. They work to explain how these plans interact with other financial and health resources. Dynasty Agency also serves clients throughout the surrounding communities of Hudson County, including nearby Jersey City and Newark.
The Bixler Group, LLC specializes in securing long-term care insurance policies, helping clients in Kearny, NJ, plan for future medical and personal care needs. It provides guidance in comparing coverage options and simplifying applications for individuals and families. This work includes assisting with financial strategies that address both care expenses and asset protection. As the winter season approaches, the company helps clients review policies to ensure coverage adapts to changing health concerns and potential seasonal accidents.
When local families in Kearny consider how to cover the cost of extended care, the need often becomes urgent during open enrollment or after a health scare. Borgos Hanlon Henry & Garcia Inc helps clients navigate the complexities of long-term care insurance by explaining policy options and matching coverage to individual needs. The firm guides residents through the application process with a focus on financial security. Their process typically begins by reviewing a client’s assets and health history in an initial assessment.
Hilb Group assists individuals and families in Kearny, NJ with the process of selecting and enrolling in long-term care insurance policies. This work addresses the need to prepare for potential future costs associated with extended nursing or in-home assistance. The agency can provide guidance for the coverage needs of small office environments, warehouse operations, and food service businesses.
Located in Kearny, New Jersey, Jersey Travel Center & Insurance provides long-term care insurance agent services to residents in the area. The agency also offers commercial coverage solutions for local businesses. Serving clients throughout Kearny and the surrounding region, the firm handles applications and policy claims for individuals planning extended care needs. Many customers return between regular visits for follow-up consultations to adjust their coverage as circumstances change.
Truck Insurance Agency in Kearny, NJ, is known for helping individuals plan for future care needs through long-term care insurance coverage. The agency offers guidance on policy selection that helps protect assets and maintain access to quality care services. By assessing each client’s personal situation, advisors recommend appropriate benefit amounts and coverage durations. An added specialization is assisting clients with hybrid life and long-term care insurance policies that combine death benefits with extended care protection.
What Does a a Long-Term Care Insurance Agent in Kearny Cost?
The cost of long-term care insurance in New Jersey varies by age, health, and coverage level. For a 55-year-old, a typical policy may cost between 1,500 and 3,000 dollars per year. For a 65-year-old, the same policy could range from 2,500 to 5,000 dollars annually. These are estimates and your actual premium will depend on your specific case. This is general information and not insurance advice.
About long-term care insurance agents in Kearny
Long-term care insurance agents in Kearny, New Jersey help residents plan for future care needs. New Jersey offers a Partnership for Long-Term Care program that allows policyholders to protect assets equal to the benefits they receive. Agents can guide you through options that meet state regulations and your personal budget.
Frequently Asked Questions
What does a long-term care insurance agent in Kearny do?
A long-term care insurance agent helps you compare policies from different carriers. They explain coverage options, benefit periods, and inflation protection. They also ensure the policy complies with New Jersey insurance laws.
How does New Jersey Partnership for Long-Term Care work?
New Jersey Partnership policies let you keep assets equal to the benefits paid out. This means if your policy pays 100,000 dollars in care, you can protect 100,000 dollars of assets from Medicaid recovery. An agent can explain how this applies to your situation.
What are the age requirements for buying long-term care insurance in New Jersey?
You can buy long-term care insurance at any age, but premiums are lower when you are younger and healthier. New Jersey law requires insurers to offer coverage to individuals up to age 79. Some carriers may have different age limits.
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