The top-rated long-term care insurance agent in Bay Shore, New York is Sound Harbor Insurance, rated 5.0 stars across 343 reviews. Other highly rated options include Fidelis Care - Bay Shore Community Office, Anthony Machiano: Allstate Insurance, Michael S. Stagnitta - State Farm Insurance Agent. This directory lists 18 long-term care insurance agents serving Bay Shore.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sound Harbor Insurance | 91 E Main St Suite 3 | (631) 517-9211 |
| 2 | Fidelis Care - Bay Shore Community Office | 1656-G 5th Ave | (631) 231-3696 |
| 3 | Anthony Machiano: Allstate Insurance | 67 E Main St | (631) 440-9226 |
| 4 | Michael S. Stagnitta - State Farm Insurance Agent | 87 Park Ave | (631) 666-8350 |
| 5 | Bill Dunn - State Farm Insurance Agent | 1656 5th Ave A | (631) 478-6669 |
| 6 | Douglas Cortez - State Farm Insurance Agent | 1805 5th Ave Ste 14 | (631) 456-4603 |
| 7 | ACME Insurance Brokerage of Bay Shore INC. | 1716 Sunrise Hwy | (631) 665-6464 |
| 8 | Oxford Millin Insurance Agency Ltd | 25 4th Ave | (631) 434-6666 |
| 9 | C Walsh Agency | 28 W Main St | (631) 251-6050 |
| 10 | Jay Tee Insurance | 1655 5th Ave A | (631) 231-3200 |
Sound Harbor Insurance serves the Bay Shore, New York area as a local long-term care insurance agent. The company helps individuals assess and select coverage policies designed to manage the future costs of assisted living, nursing home care, and in-home health services. Policies are tailored to protect assets and provide financial options for extended care needs. The agency handles policy comparisons and application assistance for clients seeking these specific insurance solutions.
Fidelis Care - Bay Shore Community Office provides guidance and enrollment services for long-term care insurance policies, helping individuals plan for future care needs. It assists clients in understanding policy options and navigating coverage details. The office offers ongoing support for policy maintenance, including reviewing benefits and addressing changes in circumstances. Its services are available to residents in Bay Shore and the surrounding area. The agent serves individuals and families, working with those living in single-family homes and apartments.
Homeowners, retirees, and families in the Bay Shore area rely on Anthony Machiano's Allstate Insurance for guidance on long-term care insurance policies. This agency helps clients understand how such coverage can protect savings while covering assisted living, home health aides, or nursing home expenses. They explain policy details and aid in selecting plans suited to individual health and financial situations. The practice also serves neighboring communities throughout Suffolk County, including Islip and Babylon.
Michael S. Stagnitta - State Farm Insurance Agent serves Bay Shore, New York, and the surrounding communities on Long Island. The agency handles long-term care insurance, a specialized product that helps clients plan for future personal care needs. It also manages general insurance needs within the local area. A typical job begins with a conversation to understand a client's potential long-term care requirements and financial preferences, followed by a comparison of policy options from a single major carrier to find a suitable fit.
Bill Dunn - State Farm Insurance Agent in Bay Shore, NY, helps clients understand the difference between one-time facility policies and recurring service options that extend to ongoing home health aide visits. Covering a range of future needs, this agency provides long-term care insurance tailored for local residents. Policies are crafted to preserve savings against the high costs of extended medical assistance and daily living support within the region. Service support typically runs on an as-needed basis for policy reviews, claims guidance, and coverage adjustments appropriate to changing client circumstances.
Douglas Cortez - State Farm Insurance Agent in Bay Shore, NY offers long-term care insurance planning as a specialty, alongside its general home and auto coverage services. It helps individuals assess their future needs for assistance with daily activities, such as bathing or dressing, and explores policy options to cover those potential costs. This is especially valuable when families are considering how to secure care without exhausting savings, a pressing concern as aging parents require support during the winter months.
As Long Islanders begin planning for the unpredictable costs of aging in place, ACME Insurance Brokerage of Bay Shore INC. provides professional guidance on long term care coverage. The Bay Shore agency works with local residents to review policy options that help protect savings from future care expenses. This includes explaining the differences between facility and home-based care benefits in New York. Their process begins with a complimentary consultation to assess each client’s financial situation and health history.
Oxford Millin Insurance Agency Ltd provides long-term care insurance services to clients in Bay Shore, NY. The agency focuses on helping individuals prepare for future care needs through policy planning and coverage selection. As a dedicated long-term care insurance agent, it assists clients with understanding plan options and navigating application processes. The agency serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
C Walsh Agency, located in Bay Shore, NY, provides long-term care insurance services to residents across Suffolk County and the greater Long Island area. Their work focuses on helping local individuals and families plan for the significant costs associated with extended care, offering guidance through the complex process of policy selection. Coverage options typically address in-home care, assisted living, and nursing home needs. The agency maintains ongoing relationships with clients, following up to adjust plans as circumstances change between regular service visits.
Jay Tee Insurance is known for helping individuals navigate long-term care coverage options in Bay Shore, NY. It assists clients in understanding how policies address needs like home care, assisted living, and nursing facility expenses. The agency evaluates personal circumstances to recommend appropriate plans that protect retirement assets and mitigate family burdens. Clients can also explore hybrid policies that combine life insurance with long-term care benefits, providing an alternative to traditional stand-alone coverage for those seeking additional financial flexibility.
What Does a a Long-Term Care Insurance Agent in Bay Shore Cost?
In New York, long-term care insurance premiums vary by age, health, and benefit amount. A typical policy for a 55-year-old may cost between 1,500 and 3,000 dollars per year. For a 65-year-old, annual premiums often range from 2,500 to 5,000 dollars. Costs can be higher for richer benefits or longer coverage periods. This is general information, not insurance advice.
About long-term care insurance agents in Bay Shore
A long-term care insurance agent in Bay Shore, New York helps residents plan for future care needs. New York state offers a Partnership for Long-Term Care program that allows policyholders to protect assets equal to the benefits paid. Local agents can explain how these plans work with Medicare and Medicaid.
Frequently Asked Questions
What does a long-term care insurance agent in Bay Shore do?
An agent helps you compare policies from different insurers. They explain coverage options for home care, assisted living, and nursing home care. They also guide you on New York state rules for long-term care insurance.
How does the New York Partnership for Long-Term Care program work?
This program lets you keep assets equal to the benefits your policy pays. For example, if your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. Your agent can tell you if a Partnership policy is right for you.
Are there age limits for buying long-term care insurance in New York?
Most insurers sell policies to people between ages 18 and 84. Premiums are lower when you buy at a younger age. New York law requires insurers to offer coverage to anyone who meets health and age requirements.
Long-Term Care Insurance Agents in Other New York Cities
Albany · Amherst · Babylon · Bethpage · Binghamton · Bronx · Brooklyn · Buffalo · Cicero · Clarence · Clifton Park · Commack · Deer Park · East Meadow · East Northport